- Cheapest non-owner car insurance companies in Kentucky
- Best non-owner car insurance in Kentucky
- Insurance.com's top choices for non-owner car insurance
- Average cost of non-owner car insurance in Kentucky
- Non-owner car insurance in Kentucky by age and gender
- Non-owner vs. traditional car insurance
- What does Kentucky non-owner car insurance cover?
- The bottom line: Non-owner car insurance in Kentucky
- Methodology
- Compare Kentucky non-owners car insurance rates with other states
Cheapest non-owner car insurance companies in Kentucky
Auto-Owners offers the lowest non-owner car insurance rates in Kentucky, with an average cost of $96. The next most affordable option is State Farm, which has an average rate of $263.
The table below lists the most budget-friendly non-owner car insurance companies in Kentucky.
| 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 |
Best non-owner car insurance in Kentucky
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 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 | 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 |
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
State Farm is another great option for non-owner car insurance in Kentucky, with average rates of $263 per year. It has an AM Best rating of A++ and a low 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 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 Kentucky
Non-owner car insurance in Kentucky costs $375 on average. However, your actual rate may vary depending on factors like your driving history, age and the level of coverage you choose.
Non-owner car insurance in Kentucky 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 Kentucky.
Age is a key factor in determining car insurance rates. Since younger drivers have less experience and a higher chance of being involved in accidents, insurance companies charge them higher premiums to cover the risk.
Gender also influences car insurance rates in many states. Men are generally seen as higher-risk drivers and are more likely to be involved in accidents, which often leads to higher insurance premiums.
Below are the average non-owner car insurance rates in Kentucky by 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 |
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.
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 |
What does Kentucky non-owner car insurance cover?
A Kentucky non-owner car insurance policy provides only the basic coverage required to drive legally. It satisfies all the minimum car insurance requirements in Kentucky, 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 Kentucky
Drivers in Kentucky might need non-owner car insurance for different situations, like renting or borrowing a vehicle. However, this coverage typically only includes liability protection to cover property damage or injuries you cause to others. It does not cover you personally or any damage to the car you're driving.
Non-owner car insurance in Kentucky costs an average of $375, with Auto-Owners offering the lowest rates. Our analysis found that Auto-Owners is the best overall choice. Keep in mind that your age, gender and driving record play a significant role in determining your 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
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 Kentucky non-owners car insurance rates with other states
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