- 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
The cheapest non-owner car insurance in Connecticut is from State Farm, with an average rate of $269. The second most affordable option in Connecticut is GEICO, with an average rate of $429.
The table below shows the most affordable 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
While State Farm is the top choice, GEICO and Nationwide are also great options for non-owner coverage.
To find the best non-owner car insurance companies in Connecticut, we looked at several factors, including how many complaints each company receives, financial stability and average rates. We used rate data from Quadrant Information Services as well as third-party ratings from J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC).
The table below shows a comparison of the best 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
Take a closer look at our top picks for non-owner car insurance in Connecticut.
State Farm
State Farm is our top choice for non-owner car insurance in Connecticut. Its average annual non-owner car insurance cost is $269. State Farm has an AM Best score of A++ and a low NAIC complaint ratio of 0.7.
GEICO
GEICO is also a great choice for non-owner car insurance in Connecticut, offering coverage at an average annual rate of $429. It has earned an AM Best rating of A++ and maintains a low NAIC complaint ratio of 0.91.
Nationwide
Our third recommendation is Nationwide, with average rates of $660. It has an NAIC complaint ratio of 0.64 and holds 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
The average cost of non-owner car insurance in Connecticut is $395, but your rate may differ depending on your driving record, age and the 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 compares average annual rates for non-owner and owner 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.
In Connecticut, non-owner car insurance costs an average of $395, with State Farm offering the most affordable rates. Based on our research, State Farm stands out as the best overall option. Remember, factors like your age, gender and driving history can significantly affect your insurance rates.
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++.
Compare Connecticut non-owners car insurance rates with other states
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