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

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

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

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 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

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Insurance.com's top choices for non-owner car insurance

Explore our top recommendations for non-owner car insurance in Missouri.

State Farm

Our top choice for non-owner car insurance in Missouri is State Farm, with an average rate of $230 for liability coverage. State Farm holds an AM Best rating of A++ and has an NAIC complaint ratio of 0.7.

Travelers

Another excellent choice for non-owner car insurance in Missouri is Travelers. Average rates are $353 annually. Travelers has an AM Best rating of A++ and an 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 will vary based on:

Your driving record
The coverage levels on your policy
Your ZIP code
Your age and gender
Your credit history

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.

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

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

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Do you need non-owner car insurance in Missouri?

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 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 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 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.

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.

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

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 Missouri

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

No. If you are driving the car with permission, your friend's insurance will cover you. However, non-owner car insurance adds an extra layer of protection in case your friend's limits are exceeded.

Can I use non-owner insurance for Uber or delivery driving in Missouri?

No. Non-owner car insurance is a personal car insurance policy that doesn't cover business use of any vehicle. The vehicle being used for ridesharing or deliveries must have the correct coverage.

Does non-owner insurance cover rental cars?

Yes. A non-owner policy will provide you with liability coverage in a rental car. However, it doesn't cover damage to the vehicle itself, only injuries and damage to others.