Non-owner car insurance in Kentucky: Best and cheapest companies

Which companies offer the cheapest non-owner car insurance in Kentucky?

Auto-Owners has the cheapest non-owner car insurance in Kentucky at an average annual premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. of $105. Shelter Insurance is the second-cheapest insurer at $152 per year, although rates vary significantly between companies.

The table below shows the most affordable non-owner car insurance companies in Kentucky.

Company	Average annual premium	Average monthly premium
Auto-Owners	$105	$9
Shelter Insurance	$152	$13
GEICO	$232	$19
State Farm	$257	$21
Travelers	$382	$32
Allstate	$730	$61
Nationwide	$978	$81
Progressive	$1,210	$101

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Best non-owner car insurance in Kentucky

GEICO is our top pick for non-owner car insurance in Kentucky. Auto-Owners and Shelter Insurance are also strong options based on affordability, customer satisfaction and financial strength

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

Company	Average annual premium	J.D. Power	NAIC	A.M Best	Overall score
GEICO	$232	670	0.60	A++	4.70
Auto-Owners	$105	654	0.44	A+	4.67
Shelter Insurance	$152	665	0.44	A	4.66
State Farm	$257	677	0.87	A+	4.50
Travelers	$382	606	0.63	A++	3.88
Allstate	$730	654	1.20	A+	3.61
Progressive	$1,210	645	0.60	A+	3.47

Read our methodology

Insurance.com's top choices for non-owner car insurance

Explore our top recommendations for non-owner car insurance in Kentucky.

GEICO

Our top choice for non-owner car insurance in Kentucky is GEICO, with an average rate of $232 for liability coverage. GEICO holds an AM Best rating of A++ and has an NAIC complaint ratio of 0.60.

Auto-Owners

Auto-Owners is another great option for non-owner car insurance in Kentucky, with average rates of $105 per year. It has an AM Best rating of A+ and a low NAIC complaint ratio of 0.44.

Shelter Insurance

Our third recommendation is Shelter Insurance, with average rates of $152. It has an NAIC complaint ratio of 0.44 and holds an AM Best rating of A.

PEOPLE ASK:

Do I need Kentucky 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.

How much does non-owner car insurance cost in Kentucky?

The average cost of non-owner car insurance in Kentucky is $499 per year, but individual rates vary significantly based on factors such as driving history, ZIP code, and coverage limits

Your rate will vary based on:

Your driving record
The coverage levels on your policy
Your ZIP code

How do age and gender affect non-owner car insurance rates in Kentucky?

Age and gender significantly impact non-owner car insurance rates in Kentucky, with younger drivers paying the highest premiums and drivers in their 50s typically receiving the lowest rates. Pricing trends reflect driving experience and statistical risk patterns.

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

Below are the average non-owner car insurance rates in Kentucky by age and gender.

Age group	Male	Female
Teens (16-19)	$950	$853
Young Adults (20-24)	$597	$566
Adults (25-60)	$502	$503
Seniors (65-75)	$529	$517

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Do you need non-owner car insurance in Kentucky?

Drivers in Kentucky may need non-owner car insurance if they frequently borrow or rent vehicles, need an SR-22 filing or want to maintain continuous coverage between cars. Drivers who own a vehicle, rarely drive or already have coverage through another policy generally do not need a non-owner policy.

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 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 Kentucky 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.

Additionally, since insurance companies expect that people without a car will drive less often and because non-owner car insurance serves as secondary coverage to the vehicle owner's policy, the overall 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 liability only	$499
Traditional state minimum policy	$721
State minimum car insurance limits	25/50/25

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What does Kentucky non-owner car insurance cover?

Non-owner car insurance in Kentucky covers liability claims when you cause an accident in a borrowed or rented vehicle and other state-required coverage. Liability coverage pays for injuries and property damage caused to others.

This coverage may include:

Bodily injury liability
Property damage liability

However, it does not cover:

Damage to the car you are driving
Theft or vandalism

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 Kentucky

Kentucky 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 $499 in Kentucky, and Auto-Owners offers the lowest rates. In our analysis, GEICO was the top pick overall. Remember that your age, gender, and driving record significantly impact insurance rates.

Be sure to compare your options to find the best non-owner car insurance in Kentucky. You can use the tool above to quickly and easily compare non-owner insurance providers 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 Kentucky

Do I need non-owner insurance to drive a friend's car in Kentucky?

No. If you have permission to drive the vehicle, the owner's insurance policy usually covers you under the permissive use provision. However, non-owner insurance can provide extra liability protection if accident costs exceed the owner's policy limits or if you regularly borrow vehicles.

Can I use non-owner insurance for Uber or delivery driving in Kentucky?

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.