- 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
- Non-owner car insurance in Kentucky by age and gender
- Average annual rates for non-owner vs. traditional car insurance
- Average cost of non-owner car insurance in Kentucky
- 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
The cheapest non-owner car insurer in Kentucky is Auto-Owners, 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 |
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 |
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
Our number one pick for non-owner car insurance in Kentucky is Auto-Owners. The average rate for liability coverage is $96. Auto-Owners has an AM Best score of A++ and an 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++.
Non-owner car insurance in Kentucky by age and gender
Your age and gender can impact your rates, whether you're shopping for non-owner or standard car insurance in Kentucky.
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 Kentucky non-owner car insurance rates 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 |
Average annual rates for 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.
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 | Traditional state minimum policy | State minimum car insurance limits |
---|---|---|
$375 | $606 | 25/50/25 |
Average cost of non-owner car insurance in Kentucky
The average cost of non-owner car insurance in Kentucky is $375, but your rate may differ depending on your driving record, age and the coverage you choose.
The bottom line: Non-owner car insurance in Kentucky
Drivers in Kentucky may need non-owner car insurance if they frequently rent or borrow a car. This coverage only includes liability protection, which pays for property damage or injuries you cause to others. It doesn't cover you or 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.
Expert'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.
Methodology
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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