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

Cheapest non-owner car insurance companies in Kentucky

Auto-Owners offers the most affordable non-owner car insurance in Kentucky, with rates averaging $96. The second cheapest Kentucky non-owner insurer is State Farm. Average rates are $263.

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

Company	Average annual premium	Average monthly premium
Auto-Owners	$96	$8
State Farm	$263	$22
Shelter Insurance	$391	$33
Travelers	$415	$35
GEICO	$417	$35
Allstate	$640	$53
Progressive	$822	$69
USAA	$209	$17

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Best non-owner car insurance in Kentucky

Although Auto-Owners came out on top, State Farm and Travelers are also excellent choices for providing non-owner coverage.

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.

The table below compares the top non-owner car insurance companies in Kentucky.

Company	Average annual premium	J.D. Power	NAIC	AM Best	Overall score
Auto-Owners	$96	859	0.50	A++	3.80
State Farm	$263	807	0.70	A++	3.18
Travelers	$415	851	0.49	A++	2.97
GEICO	$417	847	0.91	A++	2.89
Shelter Insurance	$391	851	1.18	A	2.86
Allstate	$640	816	0.65	A+	2.49
Progressive	$822	828	0.65	A+	2.25

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

Take a closer look at our top picks for non-owner car insurance in Kentucky.

Auto-Owners

Auto-Owners is our top choice for non-owner car insurance in Kentucky. Its average annual non-owner car insurance cost is $96. Auto-Owners has an AM Best score of A++ and a low NAIC complaint ratio of 0.5.

State Farm

Another excellent choice for non-owner car insurance in Kentucky is State Farm. Average rates are $263 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 $415. It has an NAIC complaint ratio of 0.49 and 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 drive it frequently. Occasional use of a friend's car is covered by their insurance as permissive use, usually as long as it's less than 12 times a year. Still, it's always best to check with your friend's insurance company.

Average cost of non-owner car insurance in Kentucky

The average cost of non-owner car insurance in Kentucky is $375, but rates may vary based on factors such as your driving record, age, and coverage level.

Non-owner car insurance in Kentucky by age and gender

Whether you're looking for non-owner or standard car insurance, age and gender affect your rates in Kentucky.

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 Kentucky rates for non-owner car insurance based on age and gender.

Age group	Female	Male
Teens (16-19)	$819	$676
Young Adults (20-24)	$524	$474
Adults (25-60)	$375	$375
Seniors (65-75)	$398	$373

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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 Kentucky 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.

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	$375
Traditional state minimum policy	$606
State minimum car insurance limits	25/50/25

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What does Kentucky non-owner car insurance cover?

A Kentucky non-owner car insurance policy only gives you the basic coverage you need to drive legally. It meets all the minimum car insurance requirements in Kentucky. But it won't pay for any damage to the car itself.

Non-owner car insurance is secondary, so it will only apply 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 $375 in Kentucky, 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.

Take the time to compare options to find the best non-owner car insurance in Kentucky. Use the tool above to easily compare non-owner insurance providers near you.

Methodology

Insurance.com analyzed non-owner car insurance companies in 2023 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++.