Cheapest non-owner car insurance companies in Idaho

The cheapest non-owner car insurer in Idaho is Auto-Owners, with rates averaging $29. The second cheapest Idaho non-owner insurer is Geico. Average rates are $138.

Compare the cheapest non-owner car insurance companies in Idaho below.

CompanyAverage annual premiumAverage 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
Data updated in 2024
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Best non-owner car insurance in Idaho

While Auto-Owners is the top choice, State Farm and Travelers are also great options for non-owner coverage.

To find the best non-owner car insurance companies in Idaho, 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 Idaho.

CompanyAverage annual premiumJ.D. PowerNAICAM BestOverall score
Auto-Owners$298400.50A++4.14
State Farm$1868210.70A++3.27
Travelers$2478100.49A++3.22
Geico$1387970.91A++3.19
Nationwide$2208100.64A+2.99
Farmers$3557960.80A2.44
Data updated in 2024
Read our methodology

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

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++.

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 groupFemaleMale
Teens (16-19)$582$533
Young Adults (20-24)$265$249
Adults (25-60)$187$187
Seniors (65-75)$197$188
Data updated in 2024
Read our methodology

Average annual rates for 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.

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 policyTraditional state minimum policyState minimum car insurance limits
$187$35725/50/15
Data updated in 2024
Read our methodology

Average cost of non-owner car insurance in Idaho

The average cost of non-owner car insurance in Idaho is $187, but rates may vary based on factors such as your driving record, age, and coverage level.

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.

tip iconExpert's Insight "Consumers may think it's only important to maintain insurance when they own a vehicle, without realizing that gaps in insurance coverage might disqualify them from the benefit of certain discounts. Some individuals will cancel their auto policy when they're between vehicles or simply don't have regular access to a vehicle. Demonstrating a history of continuous insurance coverage can not only help you qualify for future discounts but can also provide you protection and peace of mind in the event you are involved in an accident while driving, or even riding in, someone else's car. A non-owner policy is an inexpensive way to accomplish both," says Rick Kautzer, director of product management at Dairyland Insurance.

Insurance.com analyzed non-owner car insurance companies in 2024 to find the cheapest and the best overall based on rates and third-party ratings.

Non-owner car insurance rates were fielded by Quadrant Data Services for a sample policy based on a 40-year-old driver with a clean record and good credit for a state minimum liability policy. These rates were one of the factors used to rank the best companies.

For additional data points in the ranking, customer complaints ratios were pulled 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 were drawn from J.D. Power's U.S. Auto Insurance Study, where companies are scored out of 1,000. Finally, AM Best financial ratings were used to indicate financial stability, where the best possible score is A++.

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