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

Which companies offer the cheapest non-owner car insurance in Michigan?

The cheapest non-owner car insurance company in Michigan is Auto-Owners, with average annual rates of $506, followed by Progressive at $560. These insurers consistently offer the lowest liability-only premiums for drivers who don't own a vehicle.

Compare the cheapest non-owner car insurance companies in Michigan below.

Company	Average annual premium	Average monthly premium
Auto-Owners	$506	$42
Progressive	$560	$47
GEICO	$976	$81
Frankenmuth Insurance	$1,397	$116

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Best non-owner car insurance in Michigan

Auto-Owners is the best non-owner car insurance company in Michigan based on cost, customer complaints and financial strength ratings. Progressive and GEICO are also strong choices for drivers looking for affordable liability coverage.

To identify the best non-owner car insurance companies in Michigan, 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 Michigan.

Company	Average annual premium	J.D. Power	NAIC	A.M Best	Overall score
Auto-Owners	$506	654	0.44	A+	4.92
Progressive	$560	634	0.60	A+	3.55
GEICO	$976	651	0.60	A++	3.39

Read our methodology

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

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

Auto-Owners

Our number one pick for non-owner car insurance in Michigan is Auto-Owners. The average rate for liability coverage is $506. Auto-Owners has an AM Best score of A+ and an NAIC complaint ratio of 0.44.

Progressive

Progressive is also a great choice for non-owner car insurance in Michigan, offering coverage at an average annual rate of $560. It has earned an AM Best rating of A+ and maintains a low NAIC complaint ratio of 0.60.

GEICO

Our third recommendation is GEICO, with average rates of $976. It has an NAIC complaint ratio of 0.60 and holds an AM Best rating of A++.

PEOPLE ASK:

Do I need Michigan 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 Michigan

The average cost of non-owner car insurance in Michigan is $855 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 Michigan by age and gender

Younger drivers often pay more because they have less driving experience and higher accident rates. Rates often decrease after age 25 and stay lower through middle age.

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 Michigan, your years of driving experience will still impact what you pay.

Below are the average non-owner car insurance rates in Michigan by age and gender.

Age group	Male	Female
Teens (16-19)	$1,348	$1,348
Young Adults (20-24)	$954	$954
Adults (25-60)	$849	$849
Seniors (65-75)	$978	$978

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Do you need non-owner car insurance in Michigan?

You may need non-owner car insurance in Michigan 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 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 Michigan 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.

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 liability only	$855
Traditional state minimum policy	$1,303
State minimum car insurance limits	50/100/10

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What does Michigan non-owner car insurance cover?

Non-owner car insurance in Michigan covers liability claims when you cause an accident in a borrowed or rented vehicle and other state-required coverage. Liability coverage pays for injuries and property damage caused to others.

This coverage may include:

Bodily injury liability
Property damage liability

However, it does not cover:

Damage to the car you are driving
Theft or vandalism

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 Michigan

Michigan 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 Michigan costs an average of $855 per year. Auto-Owners offers the cheapest average premium at $506. Based on our analysis of rates, complaint data and financial strength, Auto-Owners is the best overall insurer for non-owner coverage in Michigan.

Drivers in Michigan 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 Michigan

Do I need non-owner insurance to drive a friend's car in Michigan?

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 Michigan?

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.