Non-owner car insurance in Massachusetts: Best and cheapest companies

Cheapest non-owner car insurance companies in Massachusetts

State Farm is the cheapest non-owner car insurance in Massachusetts, with rates averaging $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

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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

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Insurance.com's top choices for non-owner car insurance

Take a closer look at our top picks for non-owner car insurance in Massachusetts.

State Farm

State Farm is our top choice for non-owner car insurance in Massachusetts. Its average annual non-owner car insurance cost is $143. State Farm has an AM Best score of A++ and a low NAIC complaint ratio of 0.7.

Safety Insurance

Safety Insurance is another great option for non-owner car insurance in Massachusetts, with average rates of $179 per year. It has an AM Best rating of A and a low NAIC complaint ratio of 0.31.

Farmers

Our third choice is Farmers, with an average rate of $273. It has an NAIC complaint ratio of 0.8 and 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 drive it frequently. Occasional use of a friend's car is covered by their insurance as permissive use, usually as long as it's less than 12 times a year. Still, it's always best to check with your friend's insurance company.

Average cost of non-owner car insurance in Massachusetts

The average cost of non-owner car insurance in Massachusetts is $445, but rates may vary based on factors such as your driving record, age, and coverage level.

Non-owner car insurance in Massachusetts by age and gender

Your age and gender can impact your rates, whether you're shopping for non-owner or standard car insurance in Massachusetts.

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 Massachusetts non-owner car insurance rates by 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

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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 Massachusetts 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.

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	$445
Traditional state minimum policy	$511
State minimum car insurance limits	20/40/5

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What does Massachusetts non-owner car insurance cover?

A Massachusetts non-owner car insurance policy only gives you the basic coverage you need to drive legally. It meets all the minimum car insurance requirements in Massachusetts. But it won't pay for any damage to the car itself.

Non-owner car insurance is secondary, so it will only apply 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-owner car insurance in Massachusetts costs an average of $445, with State Farm offering the lowest rates. Our analysis found that State Farm is the best overall choice. Keep in mind that your age, gender and driving record play a significant role in determining your insurance rates.

Take the time to compare options to find the best non-owner car insurance in Massachusetts. Use the tool above to easily compare non-owner insurance providers near you.

Methodology

Insurance.com analyzed non-owner car insurance companies in 2023 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++.