- Cheapest non-owner car insurance companies in Missouri
- Best non-owner car insurance in Missouri
- Insurance.com's top choices for non-owner car insurance
- Average cost of non-owner car insurance in Missouri
- Non-owner car insurance in Missouri by age and gender
- Non-owner vs. traditional car insurance
- What does Missouri non-owner car insurance cover?
- The bottom line: Non-owner car insurance in Missouri
- Methodology
- Compare Missouri non-owners car insurance rates with other states
Cheapest non-owner car insurance companies in Missouri
Missouri Farm Bureau offers the lowest non-owner car insurance rates in Missouri, with an average cost of $171. The next most affordable option is State Farm, which has an average rate of $230.
The table below lists the most budget-friendly non-owner car insurance companies in Missouri.
| 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 |
Best non-owner car insurance in Missouri
Although State Farm is the best overall choice, Travelers and Shelter Insurance are also excellent options for non-owner car insurance coverage.
To identify the best non-owner car insurance companies in Missouri, 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 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 |
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 also a great choice for non-owner car insurance in Missouri, offering coverage at an average annual rate of $353. It has earned an AM Best rating of A++ and maintains a low NAIC complaint ratio of 0.49.
Shelter Insurance
Our third pick is Shelter Insurance. Shelter Insurance rates average $431. Its NAIC complaint ratio is 1.18, and it has a rating of A.
PEOPLE ASK:
Do I need Missouri 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 Missouri
The average cost of non-owner car insurance in Missouri is $358, but your rate may differ depending on your driving record, age and the coverage you choose.
Non-owner car insurance in Missouri by age and gender
Both your age and gender can affect your insurance rates, whether you're looking for non-owner or standard car insurance in Missouri.
Age is a key factor in determining car insurance rates. Since younger drivers have less experience and a higher chance of being involved in accidents, insurance companies charge them higher premiums to cover the risk.
Gender also influences car insurance rates in many states. Men are generally seen as higher-risk drivers and are more likely to be involved in accidents, which often leads to higher insurance premiums.
Below are the average non-owner car insurance rates in Missouri by 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 |
Non-owner vs. traditional car insurance
Non-owner car insurance is typically cheaper than standard car insurance since coverage is minimal. Non-owner car insurance only includes liability coverage, while owner car insurance can include a lot more coverage.
For example, non-owner car insurance in Missouri doesn't pay for damages to the car you're driving or any injuries you sustain. Owner car insurance can include collision and comprehensive coverage to pay for vehicle damages.
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 | $358 |
| Traditional state minimum policy | $488 |
| State minimum car insurance limits | 25/50/25 |
What does Missouri non-owner car insurance cover?
A Missouri non-owner car insurance policy provides only the basic coverage required to drive legally. It satisfies all the minimum car insurance requirements in Missouri, but it won't cover any damage to the vehicle you're driving.
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 Missouri
Drivers in Missouri 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.
In Missouri, non-owner car insurance costs an average of $358, with Missouri Farm Bureau offering the most affordable rates. Based on our research, State Farm stands out as the best overall option. Remember, factors like your age, gender and driving history can significantly affect your insurance rates.
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++.
Compare Missouri non-owners car insurance rates with other states
Helpful auto insurance tools and calculators
You might also be interested in- Missouri car insurance laws and requirements: What is changing in 2025
- Missouri DWI and insurance: How much does a DWI raise your insurance?
- Speeding ticket calculator in Missouri
- SR-22 insurance in Missouri
- Missouri gap insurance: Everything you need to know
- Low-income car insurance in Missouri
- Missouri car insurance guide
- Missouri car insurance coverage calculator
- Cheapest car insurance for high-risk drivers in Missouri
- Cheapest home and auto insurance bundle in Missouri
