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

Cheapest non-owner car insurance companies in Missouri

Missouri Farm Bureau offers the most affordable non-owner car insurance in Missouri, with rates averaging $171. The second cheapest Missouri non-owner insurer is State Farm. Average rates are $230.

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

Company	Average annual premium	Average monthly premium
Missouri Farm Bureau	$171	$14
State Farm	$230	$19
Travelers	$353	$29
Progressive	$410	$34
Shelter Insurance	$431	$36
Nationwide	$515	$43
GEICO	$762	$64
USAA	$141	$12

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Best non-owner car insurance in Missouri

Although State Farm came out on top, Travelers and Shelter Insurance are also excellent choices for providing non-owner coverage.

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

Company	Average annual premium	J.D. Power	NAIC	AM Best	Overall score
State Farm	$230	833	0.70	A++	3.65
Travelers	$353	797	0.49	A++	3.42
Shelter Insurance	$431	851	1.18	A	3.22
Progressive	$410	803	0.65	A+	3.16
Nationwide	$515	792	0.64	A+	3.00
GEICO	$762	819	0.91	A++	2.81

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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 Missouri

State Farm

Our number one pick for non-owner car insurance in Missouri is State Farm. The average rate for liability coverage is $230. State Farm has an AM Best score of A++ and an NAIC complaint ratio of 0.7.

Travelers

Travelers is another great option for non-owner car insurance in Missouri, with average rates of $353 per year. It has an AM Best rating of A++ and a low NAIC complaint ratio of 0.49.

Shelter Insurance

Our third choice is Shelter Insurance, with an average rate of $431. It has an NAIC complaint ratio of 1.18 and an AM Best rating of A.

PEOPLE ASK:

Do I need Missouri 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 Missouri

The average cost of non-owner car insurance in Missouri is $358, but rates may vary based on factors such as your driving record, age, and coverage level.

Non-owner car insurance in Missouri by age and gender

Whether you're looking for non-owner or standard car insurance, age and gender affect your rates in Missouri.

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 Missouri rates for non-owner car insurance based on age and gender.

Age group	Female	Male
Teens (16-19)	$558	$464
Young Adults (20-24)	$442	$388
Adults (25-60)	$365	$360
Seniors (65-75)	$372	$362

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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 Missouri 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 policy	$358
Traditional state minimum policy	$488
State minimum car insurance limits	25/50/25

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What does Missouri non-owner car insurance cover?

A Missouri 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 Missouri. 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 Missouri

Missouri 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 Missouri costs an average of $358, with Missouri Farm Bureau 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.

Shop around to find the best Missouri 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++.