- Cheapest non-owner car insurance companies in Maine
- Best non-owner car insurance in Maine
- Insurance.com's top choices for non-owner car insurance
- Average cost of non-owner car insurance in Maine
- Non-owner car insurance in Maine by age and gender
- Non-owner vs. traditional car insurance
- What does Maine non-owner car insurance cover?
- The bottom line: Non-owner car insurance in Maine
- Methodology
- Compare Maine non-owners car insurance rates with other states
Cheapest non-owner car insurance companies in Maine
GEICO offers the lowest non-owner car insurance rates in Maine, with an average cost of $109. The next most affordable option is Frankenmuth Insurance, which has an average rate of $175.
The table below lists the most budget-friendly non-owner car insurance companies in Maine.
| 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 |
Best non-owner car insurance in Maine
Although Travelers came out on top, GEICO and Progressive are also excellent choices for providing 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.
The table below compares the top 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 |
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
Our number one pick for non-owner car insurance in Maine is Travelers. The average rate for liability coverage is $235. Travelers has an AM Best score of A++ and an NAIC complaint ratio of 0.49.
GEICO
GEICO is also a great choice for non-owner car insurance in Maine, offering coverage at an average annual rate of $109. It has earned an AM Best rating of A++ and maintains 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+.
PEOPLE ASK:
Do I need Maine 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 Maine
Non-owner car insurance in Maine costs $238 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 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 |
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 Maine 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.
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 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 |
What does Maine non-owner car insurance cover?
A Maine non-owner car insurance policy provides only the basic coverage required to drive legally. It satisfies all the minimum car insurance requirements in Maine, 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 Maine
Drivers in Maine 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 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.
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 Maine non-owners car insurance rates with other states
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