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

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

The cheapest non-owner car insurance company in Mississippi is Shelter Insurance, with average annual rates of $143, followed by Travelers at $397. 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 Mississippi below.

Company	Average annual premium	Average monthly premium
Shelter Insurance	$143	$12
Travelers	$397	$33
Southern Farm Bureau	$491	$41
Progressive	$523	$44
GEICO	$771	$64
Nationwide	$847	$71
USAA	$147	$12

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What are the best non-owner car insurance companies in Mississippi?

The best non-owner car insurance companies in Mississippi are Shelter Insurance, Progressive, and GEICO, based on average rates, customer satisfaction, and complaint ratios. These insurers offer reliable, competitively priced non-owner coverage.

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

The table below compares the top non-owner car insurance companies in Mississippi.

Company	Average annual premium	J.D. Power	NAIC	A.M Best	Overall score
Shelter Insurance	$143	665	0.44	A	4.60
Progressive	$523	645	0.60	A+	3.55
GEICO	$771	670	0.60	A++	3.51
Travelers	$397	606	0.63	A++	3.42
Nationwide	$847	691	0.64	A	3.33
USAA	$147	749	1.16	A++	4.49

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 Mississippi.

Shelter Insurance

Shelter Insurance is our top choice for non-owner car insurance in Mississippi. Its average annual non-owner car insurance cost is $143. Shelter Insurance has an AM Best score of A and a low NAIC complaint ratio of 0.44.

Progressive

Another excellent choice for non-owner car insurance in Mississippi is Progressive. Average rates are $523 annually. Progressive has an AM Best rating of A+ and an NAIC complaint ratio of 0.60.

GEICO

Our third recommendation is GEICO, with average rates of $771. It has an NAIC complaint ratio of 0.60 and holds an AM Best rating of A++.

PEOPLE ASK:

Do I need Mississippi 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.

How much does non-owner car insurance cost in Mississippi?

The average cost of non-owner car insurance in Mississippi is $474 per year, but individual rates vary significantly based on factors such as driving history, ZIP code, and coverage limits

Your rate will vary based on:

Your driving record
The coverage levels on your policy
Your ZIP code

Non-owner car insurance in Mississippi by age and gender

Teen drivers and younger motorists usually pay the highest premiums because insurers consider them higher risk. Rates generally decrease after age 25, remain lowest for drivers in their 50s and may increase slightly after age 65.

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

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

Age group	Male	Female
Teens (16-19)	$1,407	$1,353
Young Adults (20-24)	$708	$688
Adults (25-60)	$482	$478
Seniors (65-75)	$530	$508

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Do you need non-owner car insurance in Mississippi?

Drivers in Mississippi may need non-owner car insurance if they frequently borrow or rent vehicles, need an SR-22 filing or want to maintain continuous coverage between cars. Drivers who own a vehicle, rarely drive or already have coverage through another policy generally do not need a non-owner policy.

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 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 Mississippi 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 liability only	$474
Traditional state minimum policy	$628
State minimum car insurance limits	25/50/25

Read our methodology

What does Mississippi non-owner car insurance cover?

Non-owner car insurance in Mississippi 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 Mississippi

Drivers in Mississippi might need non-owner car insurance for different situations, like renting or borrowing a vehicle. However, this coverage typically only includes liability protection to cover property damage or injuries you cause to others. It does not cover you personally or any damage to the car you're driving.

Non-owner car insurance in Mississippi costs an average of $474, with Shelter Insurance offering the lowest rates. Our analysis found that Shelter Insurance is the best overall choice. Keep in mind that your age, gender and driving record play a significant role in determining your insurance rates.

Drivers in Mississippi 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 Mississippi

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

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 Mississippi?

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.