- Cheapest non-owner car insurance companies in Massachusetts
- Best non-owner car insurance in Massachusetts
- Insurance.com's top choices for non-owner car insurance
- Average cost of non-owner car insurance in Massachusetts
- Non-owner car insurance in Massachusetts by age and gender
- Non-owner vs. traditional car insurance
- What does Massachusetts non-owner car insurance cover?
- The bottom line: Non-owner car insurance in Massachusetts
- Methodology
- Compare Massachusetts non-owners car insurance rates with other states
Cheapest non-owner car insurance companies in Massachusetts
The cheapest non-owner car insurance in Massachusetts is from State Farm, with an average rate of $143. The second most affordable option in Massachusetts is Safety Insurance, with an average rate of $179.
The table below shows the most affordable non-owner car insurance companies in Massachusetts.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| State Farm | $143 | $12 |
| Safety Insurance | $179 | $15 |
| Farmers | $273 | $23 |
| Arbella Insurance | $481 | $40 |
| Progressive | $815 | $68 |
| Plymouth Rock Assurance | $853 | $71 |
| USAA | $375 | $31 |
Best non-owner car insurance in Massachusetts
While State Farm is the top choice, Safety Insurance and Farmers are also great options for non-owner coverage.
To find the best non-owner car insurance companies in Massachusetts, 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 Massachusetts.
| Company | Average annual premium | J.D. Power | NAIC | AM Best | Overall score |
|---|---|---|---|---|---|
| State Farm | $143 | 829 | 0.70 | A++ | 3.50 |
| Safety Insurance | $179 | 814 | 0.31 | A | 3.47 |
| Farmers | $273 | 821 | 0.80 | A | 2.99 |
| Arbella Insurance | $481 | 799 | 0.27 | A | 2.99 |
| Progressive | $815 | 802 | 0.65 | A+ | 2.49 |
| Plymouth Rock Assurance | $853 | 795 | 0.45 | A- | 2.27 |
Insurance.com's top choices for non-owner car insurance
Explore our top recommendations for non-owner car insurance in Massachusetts.
State Farm
Our top choice for non-owner car insurance in Massachusetts is State Farm, with an average rate of $143 for liability coverage. State Farm holds an AM Best rating of A++ and has an NAIC complaint ratio of 0.7.
Safety Insurance
Another excellent choice for non-owner car insurance in Massachusetts is Safety Insurance. Average rates are $179 annually. Safety Insurance has an AM Best rating of A and an NAIC complaint ratio of 0.31.
Farmers
Our third recommendation is Farmers, with average rates of $273. It has an NAIC complaint ratio of 0.8 and holds an AM Best rating of A.
PEOPLE ASK:
Do I need Massachusetts 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 Massachusetts
Non-owner car insurance in Massachusetts costs $445 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 Massachusetts by age and gender
Whether you're looking for non-owner or standard car insurance, age and gender affect your rates in Massachusetts.
Age is one of the most important factors that impacts car insurance rates. Younger drivers lack experience and are more likely to be in accidents. That means car insurance companies charge higher rates to offset claims.
Gender also plays a part in determining car insurance rates in most states. Males tend to be riskier drivers and have more injuries, leading to higher premiums.
Below are the average Massachusetts rates for non-owner car insurance based on age and gender.
| Age group | Female | Male |
|---|---|---|
| Teens (16-19) | $849 | $820 |
| Young Adults (20-24) | $568 | $566 |
| Adults (25-60) | $448 | $448 |
| Seniors (65-75) | $462 | $462 |
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 Massachusetts 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.
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 | $445 |
| Traditional state minimum policy | $511 |
| State minimum car insurance limits | 20/40/5 |
What does Massachusetts non-owner car insurance cover?
A Massachusetts non-owner car insurance policy provides only the basic coverage required to drive legally. It satisfies all the minimum car insurance requirements in Massachusetts, 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 Massachusetts
Massachusetts 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 $445 in Massachusetts, and State Farm offers the lowest rates. In our analysis, State Farm was the top pick overall. Remember that your age, gender, and driving record significantly impact insurance rates.
Shop around to find the best Massachusetts non-owner car insurance available. Use the tool above to compare non-owner insurers in your area.
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 Massachusetts non-owners car insurance rates with other states
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