- 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
GEICO offers the lowest non-owner car insurance rates in Maryland, with an average cost of $134. The next most affordable option is Kemper, which has an average rate of $292.
The table below lists the most budget-friendly 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
Although GEICO is the best overall choice, Erie Insurance and Travelers are also excellent options for non-owner car insurance coverage.
To identify the best non-owner car insurance companies in Maryland, we considered several key factors, such as the number of customer complaints, financial strength, and average premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. rates. Our analysis used rate data from Quadrant Information Services, along with third-party ratings from J.D. Power, AM Best, and the National Association of Insurance Commissioners (NAIC).
The table below provides a comparison of the top 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
Explore our top recommendations for non-owner car insurance in Maryland.
GEICO
Our top choice for non-owner car insurance in Maryland is GEICO, with an average rate of $134 for liability coverage. GEICO holds an AM Best rating of A++ and has an 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 choice is Travelers, with an average rate of $486. It has an NAIC complaint ratio of 0.49 and 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 usually costs less than standard car insurance because it provides minimal coverage. While non-owner policies only include liability coverage, standard car insurance can offer much broader protection.
For instance, non-owner car insurance in Maryland won't cover damage to the vehicle you're driving. In contrast, traditional car insurance can include collision and comprehensive coverage to help pay for vehicle repairs or replacements.
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 | $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 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.
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
You might also be interested in- Maryland car insurance laws and requirements: What is changing in 2026
- Maryland DUI and insurance: How much does a DUI raise your insurance?
- Speeding ticket calculator in Maryland
- Maryland gap insurance: Everything you need to know
- Low-income car insurance in Maryland
- Maryland car insurance guide
- Maryland car insurance coverage calculator
- Cheapest car insurance for high-risk drivers in Maryland
- Cheapest home and auto insurance bundle in Maryland
- Best condo insurance in Maryland for 2026
