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

Cheapest non-owner car insurance companies in Maine

The cheapest non-owner car insurer in Maine is Geico, with rates averaging $109. The second cheapest Maine non-owner insurer is Frankenmuth Insurance. Average rates are $175.

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

Company	Average annual premium	Average monthly premium
Geico	$109	$9
Frankenmuth Insurance	$175	$15
Travelers	$235	$20
MMG Insurance	$290	$24
Progressive	$507	$42
USAA	$111	$9

Data updated in 2024

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Best non-owner car insurance in Maine

While Travelers is the top choice, Geico and Progressive are also great options for non-owner coverage.

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

Company	Average annual premium	J.D. Power	NAIC	AM Best	Overall score
Travelers	$235	782	0.49	A++	3.48
Geico	$109	836	0.91	A++	3.40
Progressive	$507	802	0.65	A+	2.58

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 Maine.

Travelers

Travelers is our top choice for non-owner car insurance in Maine. Its average annual non-owner car insurance cost is $235. Travelers has an AM Best score of A++ and a low NAIC complaint ratio of 0.49.

Geico

Geico is another great option for non-owner car insurance in Maine, with average rates of $109 per year. It has an AM Best rating of A++ and a low NAIC complaint ratio of 0.91.

Progressive

Our third pick is Progressive. Progressive rates average $507. Its NAIC complaint ratio is 0.65, and it has a rating of A+.

Non-owner car insurance in Maine by age and gender

Your age and gender can impact your rates, whether you're shopping for non-owner or standard car insurance in Maine.

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 Maine non-owner car insurance rates by age and gender.

Age group	Female	Male
Teens (16-19)	$643	$576
Young Adults (20-24)	$364	$345
Adults (25-60)	$241	$243
Seniors (65-75)	$232	$234

Data updated in 2024

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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 Maine 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	$238
Traditional state minimum policy	$335
State minimum car insurance limits	50/100/25

Data updated in 2024

Read our methodology

Average cost of non-owner car insurance in Maine

The average cost of non-owner car insurance in Maine is $238, but your rate may differ depending on your driving record, age and the coverage you choose.

The bottom line: Non-owner car insurance in Maine

Maine 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-owner car insurance in Maine costs an average of $238, with Geico offering the lowest rates. Our analysis found that Travelers 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 Maine. 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++.