- Which companies offer the cheapest non-owner car insurance 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
- Do you need non-owner car insurance in Idaho?
- Non-owner vs. traditional car insurance
- What does Idaho non-owner car insurance cover?
- The bottom line: Non-owner car insurance in Idaho
- Methodology
- FAQ: Non-owner car insurance in Idaho
- Compare Idaho non-owners car insurance rates with other states
Which companies offer the cheapest non-owner car insurance 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
Take a closer look at our top picks for non-owner car insurance in Idaho.
Auto-Owners
Our number one pick for non-owner car insurance in Idaho is Auto-Owners. The average rate for liability coverage is $29. Auto-Owners has an AM Best score of A++ and an NAIC complaint ratio of 0.5.
State Farm
State Farm is also a great choice for non-owner car insurance in Idaho, offering coverage at an average annual rate of $186. It has earned an AM Best rating of A++ and maintains a low NAIC complaint ratio of 0.7.
Travelers
Our third recommendation is Travelers, with average rates of $247. It has an NAIC complaint ratio of 0.49 and holds 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 will vary based on:
- Your driving record
- The coverage levels on your policy
- Your ZIP code
- Your age and gender
- Your credit history
Non-owner car insurance in Idaho by age and gender
Both your age and gender can affect your insurance rates, whether you're looking for non-owner or standard car insurance in Idaho.
How it works:
- Teen drivers pay the highest rates due to lack of experience and a statistically higher risk of a crash
- Rates start to level out around the age of 25 and continue to drop
- Drivers in their 50s pay the lowest average rates
- After 65, rates increase, but not dramatically
Even in a state that bans the use of age and gender for car insurance rates, like Idaho, your years of driving experience will still impact what you pay.
Below are the average non-owner car insurance rates in Idaho 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 |
Do you need non-owner car insurance in Idaho?
You may need non-owner car insurance if:
- You frequently drive cars owned by others and want an extra layer of protection
- You frequently rent cars
- You need insurance to file an SR-22 in order to reinstate your license
- You want to prevent a lapse in coverage while in between cars
You don't need a non-owner policy if:
- You own and insure your own vehicle
- You only drive cars owned by others occasionally
- You drive a company car for which insurance is provided by your employer
Non-owner vs. traditional car insurance
Non-owner car insurance costs less than standard car insurance because it provides minimal coverage. It only includes liability coverage, while standard auto insurance offers many additional types of coverage.
For example, non-owner car insurance in Idaho doesn't cover damage to the car you're driving or your injuries. Standard car insurance may include collision and comprehensive coverage to help pay for car repairs.
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 | $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.
In Idaho, non-owner car insurance costs an average of $187, with Auto-Owners offering the most affordable rates. Based on our research, Auto-Owners stands out as the best overall option. Remember, factors like your age, gender and driving history can significantly affect your 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++.
FAQ: Non-owner car insurance in Idaho
Do I need non-owner insurance to drive a friend's car in Idaho?
No. If you are driving the car with permission, your friend's insurance will cover you. However, non-owner car insurance adds an extra layer of protection in case your friend's limits are exceeded.
Can I use non-owner insurance for Uber or delivery driving in Idaho?
No. Non-owner car insurance is a personal car insurance policy that doesn't cover business use of any vehicle. The vehicle being used for ridesharing or deliveries must have the correct coverage.
Does non-owner insurance cover rental cars?
Yes. A non-owner policy will provide you with liability coverage in a rental car. However, it doesn't cover damage to the vehicle itself, only injuries and damage to others.
Compare Idaho non-owners car insurance rates with other states
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