- Cheapest non-owner car insurance companies in Maryland
- Best non-owner car insurance in Maryland
- Insurance.com's top choices for non-owner car insurance
- Average cost of non-owner car insurance in Maryland
- Non-owner car insurance in Maryland by age and gender
- Non-owner vs. traditional car insurance
- What does Maryland non-owner car insurance cover?
- The bottom line: Non-owner car insurance in Maryland
- Methodology
- Compare Maryland non-owners car insurance rates with other states
Cheapest non-owner car insurance companies in Maryland
The cheapest non-owner car insurance in Maryland is from GEICO, with an average rate of $134. The second most affordable option in Maryland is Kemper, with an average rate of $292.
The table below shows the most affordable non-owner car insurance companies in Maryland.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| GEICO | $134 | $11 |
| Kemper | $292 | $24 |
| Erie Insurance | $304 | $25 |
| Nationwide | $330 | $28 |
| Travelers | $486 | $41 |
| Progressive | $845 | $70 |
| Penn National Insurance | $1,002 | $84 |
| USAA | $186 | $16 |
Best non-owner car insurance in Maryland
While GEICO is the top choice, Erie Insurance and Travelers are also great options for non-owner coverage.
To find the best non-owner car insurance companies in Maryland, 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 Maryland.
| Company | Average annual premium | J.D. Power | NAIC | AM Best | Overall score |
|---|---|---|---|---|---|
| GEICO | $134 | 818 | 0.91 | A++ | 3.99 |
| Erie Insurance | $304 | 863 | 0.61 | A+ | 3.97 |
| Travelers | $486 | 822 | 0.49 | A++ | 3.70 |
| Nationwide | $330 | 820 | 0.64 | A+ | 3.67 |
| Progressive | $845 | 814 | 0.65 | A+ | 3.15 |
| Kemper Insurance | $292 | 736 | 2.16 | A- | 2.27 |
Insurance.com's top choices for non-owner car insurance
Take a closer look at our top picks for non-owner car insurance in Maryland.
GEICO
GEICO is our top choice for non-owner car insurance in Maryland. Its average annual non-owner car insurance cost is $134. GEICO has an AM Best score of A++ and a low NAIC complaint ratio of 0.91.
Erie Insurance
Erie Insurance is also a great choice for non-owner car insurance in Maryland, offering coverage at an average annual rate of $304. It has earned an AM Best rating of A+ and maintains a low NAIC complaint ratio of 0.61.
Travelers
Our third recommendation is Travelers, with average rates of $486. It has an NAIC complaint ratio of 0.49 and holds an AM Best rating of A++.
PEOPLE ASK:
Do I need Maryland 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 Maryland
Non-owner car insurance in Maryland costs $438 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 Maryland by age and gender
Your age and gender can impact your rates, whether you're shopping for non-owner or standard car insurance in Maryland.
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 Maryland non-owner car insurance rates by age and gender.
| Age group | Female | Male |
|---|---|---|
| Teens (16-19) | $788 | $701 |
| Young Adults (20-24) | $521 | $506 |
| Adults (25-60) | $438 | $442 |
| Seniors (65-75) | $467 | $467 |
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 Maryland 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 shows a comparison of average yearly rates for non-owner and standard car insurance.
| Non-owners state minimum policy | $438 |
| Traditional state minimum policy | $727 |
| State minimum car insurance limits | 30/60/15 |
What does Maryland non-owner car insurance cover?
A Maryland non-owner car insurance policy provides only the basic coverage required to drive legally. It satisfies all the minimum car insurance requirements in Maryland, 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 Maryland
Drivers in Maryland 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.
In Maryland, non-owner car insurance costs an average of $438, with GEICO offering the most affordable rates. Based on our research, GEICO stands out as the best overall option. Remember, factors like your age, gender and driving history can significantly affect your insurance rates.
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 Maryland non-owners car insurance rates with other states
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