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

Cheapest non-owner car insurance companies in Michigan

Travelers offers the most affordable non-owner car insurance in Michigan, with rates averaging $58. The second cheapest Michigan non-owner insurer is Auto-Owners. Average rates are $277.

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

Company	Average annual premium	Average monthly premium
Travelers	$58	$5
Auto-Owners	$277	$23
Michigan Farm Bureau	$500	$42
Pioneer State Mutual	$565	$47
GEICO	$714	$60
Progressive	$889	$74
Frankenmuth Insurance	$897	$75
USAA	$237	$20

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Best non-owner car insurance in Michigan

While Auto-Owners is the top choice, Travelers and GEICO are also great options for non-owner coverage.

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

Company	Average annual premium	J.D. Power	NAIC	AM Best	Overall score
Auto-Owners	$277	833	0.50	A++	3.87
Travelers	$58	806	0.49	A++	3.77
GEICO	$703	831	0.91	A++	2.76
Progressive	$820	816	0.65	A+	2.66

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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 Michigan.

Auto-Owners

Auto-Owners is our top choice for non-owner car insurance in Michigan. Its average annual non-owner car insurance cost is $277. Auto-Owners has an AM Best score of A++ and a low NAIC complaint ratio of 0.5.

Travelers

Travelers is another great option for non-owner car insurance in Michigan, with average rates of $58 per year. It has an AM Best rating of A++ and a low NAIC complaint ratio of 0.49.

GEICO

Our third choice is GEICO, with an average rate of $703. It has an NAIC complaint ratio of 0.91 and 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 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 Michigan

The average cost of non-owner car insurance in Michigan is $513, but rates may vary based on factors such as your driving record, age, and coverage level.

Non-owner car insurance in Michigan by age and gender

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

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 Michigan non-owner car insurance rates by age and gender.

Age group	Female	Male
Teens (16-19)	$787	$787
Young Adults (20-24)	$638	$638
Adults (25-60)	$509	$509
Seniors (65-75)	$574	$574

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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 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.

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	$513
Traditional state minimum policy	$654
State minimum car insurance limits	50/100/10

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What does Michigan non-owner car insurance cover?

A Michigan non-owner car insurance policy only provides the legally required coverage to be on the road. It includes all Michigan minimum car insurance requirements. It doesn't cover any damage to the vehicle itself.

Non-owner car insurance is secondary, which means it will only apply after the car owner's policy limits are exceeded.

The bottom line: Non-owner car insurance in Michigan

Drivers in Michigan may need non-owner car insurance if they frequently rent or borrow a car. This coverage only includes liability protection, which pays for property damage or injuries you cause to others. It doesn't cover you or the car you're driving.

Non-owner car insurance in Michigan costs an average of $513, with Travelers offering the lowest rates. Our analysis found that Auto-Owners 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 Michigan non-owner car insurance available. Use the tool above to compare non-owner insurers in your area.

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++.