- Cheapest non-owner car insurance companies in Connecticut
- Best non-owner car insurance in Connecticut
- Insurance.com's top choices for non-owner car insurance
- Average cost of non-owner car insurance in Connecticut
- Non-owner car insurance in Connecticut by age and gender
- Non-owner vs. traditional car insurance
- What does Connecticut non-owner car insurance cover?
- The bottom line: Non-owner car insurance in Connecticut
- Methodology
- Compare Connecticut non-owners car insurance rates with other states
Cheapest non-owner car insurance companies in Connecticut
State Farm offers the lowest non-owner car insurance rates in Connecticut, with an average cost of $269. The next most affordable option is GEICO, which has an average rate of $429.
The table below lists the most budget-friendly non-owner car insurance companies in Connecticut.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| State Farm | $269 | $22 |
| GEICO | $429 | $36 |
| Nationwide | $660 | $55 |
| USAA | $390 | $33 |
Best non-owner car insurance in Connecticut
Although State Farm is the best overall choice, GEICO and Nationwide are also excellent options for non-owner car insurance coverage.
To identify the best non-owner car insurance companies in Connecticut, we considered several key factors, such as the number of customer complaints, financial strength, and average premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. rates. Our analysis used rate data from Quadrant Information Services, along with third-party ratings from J.D. Power, AM Best, and the National Association of Insurance Commissioners (NAIC).
The table below provides a comparison of the top non-owner car insurance companies in Connecticut.
| Company | Average annual premium | J.D. Power | NAIC | AM Best | Overall score |
|---|---|---|---|---|---|
| State Farm | $269 | 829 | 0.70 | A++ | 4.02 |
| GEICO | $429 | 836 | 0.91 | A++ | 3.59 |
| Nationwide | $660 | 810 | 0.64 | A+ | 2.97 |
Insurance.com's top choices for non-owner car insurance
Explore our top recommendations for non-owner car insurance in Connecticut.
State Farm
Our top choice for non-owner car insurance in Connecticut is State Farm, with an average rate of $269 for liability coverage. State Farm holds an AM Best rating of A++ and has an NAIC complaint ratio of 0.7.
GEICO
GEICO is another great option for non-owner car insurance in Connecticut, with average rates of $429 per year. It has an AM Best rating of A++ and a low NAIC complaint ratio of 0.91.
Nationwide
Our third choice is Nationwide, with an average rate of $660. It has an NAIC complaint ratio of 0.64 and an AM Best rating of A+.
PEOPLE ASK:
Do I need Connecticut non-owner car insurance to drive a friend's car?
Probably not, unless you use the car a lot. If you only drive your friend's car occasionally, their insurance usually covers it under something called permissive use-as long as it's less than 12 times a year. Still, it's a good idea to check with your friend's insurance company just to be sure.
Average cost of non-owner car insurance in Connecticut
Non-owner car insurance in Connecticut costs $395 on average. However, your actual rate may vary depending on factors like your driving history, age and the level of coverage you choose.
Non-owner car insurance in Connecticut by age and gender
Whether you're looking for non-owner or standard car insurance, age and gender affect your rates in Connecticut.
Age is one of the most important factors that impacts car insurance rates. Younger drivers lack experience and are more likely to be in accidents. That means car insurance companies charge higher rates to offset claims.
Gender also plays a part in determining car insurance rates in most states. Males tend to be riskier drivers and have more injuries, leading to higher premiums.
Below are the average Connecticut rates for non-owner car insurance based on age and gender.
| Age group | Female | Male |
|---|---|---|
| Teens (16-19) | $722 | $698 |
| Young Adults (20-24) | $490 | $487 |
| Adults (25-60) | $399 | $393 |
| Seniors (65-75) | $432 | $421 |
Non-owner vs. traditional car insurance
Non-owner car insurance usually costs less than standard car insurance because it provides minimal coverage. While non-owner policies only include liability coverage, standard car insurance can offer much broader protection.
For instance, non-owner car insurance in Connecticut won't cover damage to the vehicle you're driving. In contrast, traditional car insurance can include collision and comprehensive coverage to help pay for vehicle repairs or replacements.
Furthermore, because insurance companies anticipate that people who don't own a car will drive less frequently, and because non-owner car insurance is secondary to the owner's policy, the risk of a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. is much lower.
The table below shows a comparison of average yearly rates for non-owner and standard car insurance.
| Non-owners state minimum policy | $395 |
| Traditional state minimum policy | $704 |
| State minimum car insurance limits | 25/50/25 |
What does Connecticut non-owner car insurance cover?
A Connecticut non-owner car insurance policy provides only the basic coverage required to drive legally. It satisfies all the minimum car insurance requirements in Connecticut, but it won't cover any damage to the vehicle you're driving.
Non-owner car insurance is considered secondary coverage, meaning it only kicks in after the car owner's policy limits are exceeded.
The bottom line: Non-owner car insurance in Connecticut
Connecticut drivers may need non-owner car insurance for various reasons, such as renting or borrowing a car. However, this type of coverage typically only offers liability coverage to pay for property damage or bodily injuries you cause to others. Coverage does not extend to you or the vehicle you're driving.
Non-owner car insurance in Connecticut costs an average of $395, with State Farm offering the lowest rates. Our analysis found that State Farm is the best overall choice. Keep in mind that your age, gender and driving record play a significant role in determining your insurance rates.
Take the time to compare options to find the best non-owner car insurance in Connecticut. Use the tool above to easily compare non-owner insurance providers near you.
Methodology
170+
insurance companies analyzed
34,000+
ZIP codes examined
$53M
insurance quotes analyzed
Non-owner car insurance rates were fielded by Quadrant Data Services for a sample policy based on:
- A 40-year-old driver
- A clean record
- Good credit
- State minimum insurance, which includes liability coverage and may also include personal injury protection, medical payments and uninsured motorist coverage
Best company rankings use the rate data outline above, as well as:
- Customer complaints ratios from the National Association of Insurance Commissioners (NAIC) complaints database, where a score of 1.00 is considered the baseline and anything below is a low complaint volume while anything above is considered a high volume.
- Overall customer satisfaction ratings from J.D. Power's U.S. Auto Insurance Study, where companies are scored out of 1,000.
- AM Best financial ratings were used to indicate financial stability, where the best possible score is A++.
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