Cheapest non-owner car insurance companies in Missouri

The cheapest non-owner car insurance in Missouri is from Missouri Farm Bureau, with an average rate of $171. The second most affordable option in Missouri is State Farm, with an average rate of $230.

The table below shows the most affordable non-owner car insurance companies in Missouri.

CompanyAverage annual premiumAverage 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
Data updated in 2024
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Best non-owner car insurance in Missouri

While State Farm is the top choice, Travelers and Shelter Insurance are also great options for 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 (NAIC).

The table below shows a comparison of the best non-owner car insurance companies in Missouri.

CompanyAverage annual premiumJ.D. PowerNAICAM BestOverall score
State Farm$2308330.70A++3.65
Travelers$3537970.49A++3.42
Shelter Insurance$4318511.18A3.22
Progressive$4108030.65A+3.16
Nationwide$5157920.64A+3.00
Geico$7628190.91A++2.81
Data updated in 2024
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 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 pick is Shelter Insurance. Shelter Insurance rates average $431. Its NAIC complaint ratio is 1.18, and it has a rating of A.

Non-owner car insurance in Missouri by age and gender

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

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

Age groupFemaleMale
Teens (16-19)$558$464
Young Adults (20-24)$442$388
Adults (25-60)$365$360
Seniors (65-75)$372$362
Data updated in 2024
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Average annual rates for 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 policyTraditional state minimum policyState minimum car insurance limits
$358$48825/50/25
Data updated in 2024
Read our methodology

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.

The bottom line: Non-owner car insurance in Missouri

Drivers in Missouri 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-owners car insurance averages $358 in Missouri, and Missouri Farm Bureau offers the lowest rates. In our analysis, State Farm was the top pick overall. Remember that your age, gender, and driving record significantly impact insurance rates.

Take the time to compare options to find the best non-owner car insurance in Missouri. Use the tool above to easily compare non-owner insurance providers near you.

tip iconExpert's Insight "Consumers may think it's only important to maintain insurance when they own a vehicle, without realizing that gaps in insurance coverage might disqualify them from the benefit of certain discounts. Some individuals will cancel their auto policy when they're between vehicles or simply don't have regular access to a vehicle. Demonstrating a history of continuous insurance coverage can not only help you qualify for future discounts but can also provide you protection and peace of mind in the event you are involved in an accident while driving, or even riding in, someone else's car. A non-owner policy is an inexpensive way to accomplish both," says Rick Kautzer, director of product management at Dairyland Insurance.

Insurance.com analyzed non-owner car insurance companies in 2024 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++.

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