- Cheapest non-owner car insurance companies in Idaho
- Best non-owner car insurance in Idaho
- Insurance.com's top choices for non-owner car insurance
- Average cost of non-owner car insurance in Idaho
- Non-owner car insurance in Idaho by age and gender
- Non-owner vs. traditional car insurance
- What does Idaho non-owner car insurance cover?
- The bottom line: Non-owner car insurance in Idaho
- Methodology
- Compare Idaho non-owners car insurance rates with other states
Cheapest non-owner car insurance companies in Idaho
Auto-Owners offers the lowest non-owner car insurance rates in Idaho, with an average cost of $29. The next most affordable option is GEICO, which has an average rate of $138.
The table below lists the most budget-friendly non-owner car insurance companies in Idaho.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| Auto-Owners | $29 | $2 |
| GEICO | $138 | $12 |
| State Farm | $186 | $16 |
| Nationwide | $220 | $18 |
| Travelers | $247 | $21 |
| Sentry Insurance | $249 | $21 |
| Farmers | $355 | $30 |
| USAA | $76 | $6 |
Best non-owner car insurance in Idaho
Although Auto-Owners is the best overall choice, State Farm and Travelers are also excellent options for non-owner car insurance coverage.
To identify the best non-owner car insurance companies in Idaho, 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 Idaho.
| Company | Average annual premium | J.D. Power | NAIC | AM Best | Overall score |
|---|---|---|---|---|---|
| Auto-Owners | $29 | 840 | 0.50 | A++ | 4.14 |
| State Farm | $186 | 821 | 0.70 | A++ | 3.27 |
| Travelers | $247 | 810 | 0.49 | A++ | 3.22 |
| GEICO | $138 | 797 | 0.91 | A++ | 3.19 |
| Nationwide | $220 | 810 | 0.64 | A+ | 2.99 |
| Farmers | $355 | 796 | 0.80 | A | 2.44 |
Insurance.com's top choices for non-owner car insurance
Explore our top recommendations for non-owner car insurance in Idaho.
Auto-Owners
Our top choice for non-owner car insurance in Idaho is Auto-Owners, with an average rate of $29 for liability coverage. Auto-Owners holds an AM Best rating of A++ and has an NAIC complaint ratio of 0.5.
State Farm
Another excellent choice for non-owner car insurance in Idaho is State Farm. Average rates are $186 annually. State Farm has an AM Best rating of A++ and an NAIC complaint ratio of 0.7.
Travelers
Our third choice is Travelers, with an average rate of $247. It has an NAIC complaint ratio of 0.49 and an AM Best rating of A++.
PEOPLE ASK:
Do I need Idaho 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 Idaho
The average cost of non-owner car insurance in Idaho is $187, but your rate may differ depending on your driving record, age and the coverage you choose.
Non-owner car insurance in Idaho by age and gender
Your age and gender can impact your rates, whether you're shopping for non-owner or standard car insurance in Idaho.
Age plays an important role in calculating car insurance rates. Younger drivers have less experience and are more likely to have accidents, so insurance companies charge higher rates to cover the risk.
Gender is another factor that affects car insurance rates in most states. Men are often considered higher-risk drivers and tend to have more accidents, resulting in higher premiums.
Here are the average Idaho non-owner car insurance rates by age and gender.
| Age group | Female | Male |
|---|---|---|
| Teens (16-19) | $582 | $533 |
| Young Adults (20-24) | $265 | $249 |
| Adults (25-60) | $187 | $187 |
| Seniors (65-75) | $197 | $188 |
Non-owner vs. traditional car insurance
Non-owner car insurance is typically cheaper than standard car insurance since coverage is minimal. Non-owner car insurance only includes liability coverage, while owner car insurance can include a lot more coverage.
For example, non-owner car insurance in Idaho doesn't pay for damages to the car you're driving or any injuries you sustain. Owner car insurance can include collision and comprehensive coverage to pay for vehicle damages.
Insurance companies assume that people without a car drive less often, and because non-owner car insurance works as a backup 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 | $187 |
| Traditional state minimum policy | $357 |
| State minimum car insurance limits | 25/50/15 |
What does Idaho non-owner car insurance cover?
A Idaho non-owner car insurance policy provides only the basic coverage required to drive legally. It satisfies all the minimum car insurance requirements in Idaho, 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 Idaho
Idaho 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-owners car insurance averages $187 in Idaho, and Auto-Owners offers the lowest rates. In our analysis, Auto-Owners was the top pick overall. Remember that your age, gender, and driving record significantly impact insurance rates.
Shop around to find the best Idaho non-owner car insurance available. Use the tool above to compare non-owner insurers in your area.
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 Idaho non-owners car insurance rates with other states
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