Which companies offer the cheapest non-owner car insurance in Maryland?
GEICO has the cheapest non-owner car insurance in Maryland, with average annual rates of $169. Erie Insurance is the second-cheapest option at $461 per year. Your final rate may change based on your age, driving history, ZIP code and coverage limits.
The table below lists the most budget-friendly non-owner car insurance companies in Maryland.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| GEICO | $169 | $14 |
| Erie Insurance | $461 | $38 |
| Travelers | $504 | $42 |
| Nationwide | $610 | $51 |
| State Farm | $717 | $60 |
| Progressive | $1,069 | $89 |
| USAA | $210 | $18 |
Best non-owner car insurance in Maryland
GEICO is the best non-owner car insurance company in Maryland based on cost, customer complaints and financial strength ratings. Erie Insurance and Travelers are also strong choices for drivers looking for affordable liability 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 | A.M Best | Overall score |
|---|---|---|---|---|---|
| GEICO | $169 | 643 | 0.60 | A++ | 4.42 |
| Erie Insurance | $461 | 706 | 0.77 | A | 4.19 |
| Travelers | $504 | 633 | 0.63 | A++ | 3.91 |
| Nationwide | $610 | 636 | 0.64 | A | 3.63 |
| State Farm | $717 | 673 | 0.87 | A+ | 3.50 |
| Progressive | $1,069 | 625 | 0.60 | A+ | 3.16 |
| USAA | $210 | 743 | 1.16 | A++ | 4.45 |
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 $169. GEICO has an AM Best score of A++ and a low NAIC complaint ratio of 0.60.
Erie Insurance
Erie Insurance is also a great choice for non-owner car insurance in Maryland, offering coverage at an average annual rate of $461. It has earned an AM Best rating of A and maintains a low NAIC complaint ratio of 0.77.
Travelers
Our third recommendation is Travelers, with average rates of $504. It has an NAIC complaint ratio of 0.63 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
The average cost of non-owner car insurance in Maryland is $516 per year. Your rate depends on several personal and location-based factors.
Your rate will vary based on:
- Your driving record
- The coverage levels on your policy
- Your ZIP code
Non-owner car insurance in Maryland by age and gender
Teen drivers and younger motorists usually pay the highest premiums because insurers consider them higher risk. Rates generally decrease after age 25, remain lowest for drivers in their 50s and may increase slightly after age 65.
How it works:
- Teen drivers pay the highest rates due to lack of experience and a statistically higher risk of a crash
- Rates start to level out around the age of 25 and continue to drop
- Drivers in their 50s pay the lowest average rates
- After 65, rates increase, but not dramatically
Even in a state that bans the use of age and gender for car insurance rates, like Maryland, your years of driving experience will still impact what you pay.
Below are the average non-owner car insurance rates in Maryland by age and gender.
| Age group | Male | Female |
|---|---|---|
| Teens (16-19) | $818 | $622 |
| Young Adults (20-24) | $484 | $466 |
| Adults (25-60) | $517 | $508 |
| Seniors (65-75) | $541 | $533 |
Do you need non-owner car insurance in Maryland?
You may need non-owner car insurance in Maryland if you frequently borrow or rent cars, need to file an SR-22, or want to maintain continuous coverage. However, it's unnecessary if you already own a vehicle or only drive occasionally.
You may need non-owner car insurance if:
- You frequently drive cars owned by others and want an extra layer of protection
- You frequently rent cars
- You need insurance to file an SR-22 in order to reinstate your license
- You want to prevent a lapse in coverage while in between cars
You don't need a non-owner policy if:
- You own and insure your own vehicle
- You only drive cars owned by others occasionally
- You drive a company car for which insurance is provided by your employer
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 Maryland 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.
Non-owner car insurance is cheaper because drivers without vehicles drive less often and file fewer claims. This coverage also acts as secondary insurance, meaning the car owner's policy pays first. Non-owner insurance may apply only after the vehicle owner's liability limits are exhausted.
The table below shows a comparison of average yearly rates for non-owner and standard car insurance.
| Non-owners state minimum liability only | $516 |
| Traditional state minimum policy | $810 |
| 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
Maryland 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-owners car insurance averages $516 in Maryland, and GEICO offers the lowest rates. In our analysis, GEICO was the top pick overall. Remember that your age, gender, and driving record significantly impact insurance rates.
Drivers in Maryland can find the best non-owner insurance policy by comparing quotes from multiple companies, reviewing customer complaint ratios and checking AM Best financial ratings. Choosing appropriate liability limits and maintaining continuous insurance coverage can also help lower premiums over time.
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++.
FAQ: Non-owner car insurance in Maryland
Do I need non-owner insurance to drive a friend's car in Maryland?
No. If you have permission to drive the vehicle, the owner's insurance policy usually covers you under the permissive use provision. However, non-owner insurance can provide extra liability protection if accident costs exceed the owner's policy limits or if you regularly borrow vehicles.
Can I use non-owner insurance for Uber or delivery driving in Maryland?
No. Non-owner insurance does not cover business driving, including rideshare or delivery work. Drivers working for Uber, Lyft or food delivery apps need rideshare or commercial auto insurance.
Does non-owner insurance cover rental cars?
Yes. Non-owner insurance provides liability coverage when driving a rental car. However, it does not pay for damage to the rental vehicle itself.
Compare Maryland non-owners car insurance rates with other states
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