- 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
- Non-owner car insurance in Maryland by age and gender
- Average annual rates for non-owner vs. traditional car insurance
- Average cost of non-owner car insurance in Maryland
- 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
Our number one pick for non-owner car insurance in Maryland is Geico. The average rate for liability coverage is $134. Geico has an AM Best score of A++ and an NAIC complaint ratio of 0.91.
Erie Insurance
Erie Insurance is another great option for non-owner car insurance in Maryland, with average rates of $304 per year. It has an AM Best rating of A+ and 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++.
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 |
Average annual rates for 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.
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 compares average annual rates for non-owner and owner car insurance.
| Non-owners state minimum policy | $438 |
| Traditional state minimum policy | $727 |
| State minimum car insurance limits | 30/60/15 |
Average cost of non-owner car insurance in Maryland
The average cost of non-owner car insurance in Maryland is $438, but your rate may differ depending on your driving record, age and the coverage you choose.
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-owner car insurance in Maryland costs an average of $438, with Geico offering the lowest rates. Our analysis found that Geico is the best overall choice. Keep in mind that your age, gender and driving record play a significant role in determining your insurance rates.
Shop around to find the best Maryland non-owner car insurance available. Use the tool above to compare non-owner insurers in your area.
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++.
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