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 insurance company in Missouri is Auto-Owners, with average annual rates of $172, followed by GEICO at $260. 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 Missouri below.

Company	Average annual premium	Average monthly premium
Auto-Owners	$172	$14
GEICO	$260	$22
Travelers	$373	$31
Missouri Farm Bureau Insurance	$490	$41
Shelter Insurance	$523	$44
Nationwide	$874	$73
USAA	$143	$12

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

The best non-owner car insurance companies in Missouri are Shelter Insurance, GEICO, and Travelers, 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 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	A.M Best	Overall score
Shelter Insurance	$523	673	0.44	A	4.40
GEICO	$260	641	0.60	A++	4.31
Travelers	$373	585	0.63	A++	3.59
Nationwide	$874	632	0.64	A	2.98
USAA	$143	719	1.16	A++	4.50

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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.

Shelter Insurance

Our top choice for non-owner car insurance in Missouri is Shelter Insurance, with an average rate of $523 for liability coverage. Shelter Insurance holds an AM Best rating of A and has an NAIC complaint ratio of 0.44.

GEICO

GEICO is also a great choice for non-owner car insurance in Missouri, offering coverage at an average annual rate of $260. It has earned an AM Best rating of A++ and maintains a low NAIC complaint ratio of 0.60.

Travelers

Our third choice is Travelers, with an average rate of $373. It has an NAIC complaint ratio of 0.63 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 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 $346 per year. Your rate depends on several personal and location-based factors.

Your rate will vary based on:

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

Non-owner car insurance in Missouri by age and gender

Younger drivers often pay more because they have less driving experience and higher accident rates. Rates often decrease after age 25 and stay lower through middle age.

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	Male	Female
Teens (16-19)	$967	$808
Young Adults (20-24)	$602	$530
Adults (25-60)	$367	$362
Seniors (65-75)	$344	$341

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Do you need non-owner car insurance in Missouri?

You may need non-owner car insurance in Missouri if you frequently borrow or rent cars, need to file an SR-22, or want to maintain continuous coverage. However, it's unnecessary if you already own a vehicle or only drive occasionally.

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.

Non-owner car insurance is cheaper because drivers without vehicles drive less often and file fewer claims. This coverage also acts as secondary insurance, meaning the car owner's policy pays first. Non-owner insurance may apply only after the vehicle owner's liability limits are exhausted.

The table below shows a comparison of average yearly rates for non-owner and standard car insurance.

Non-owners state minimum liability only	$346
Traditional state minimum policy	$563
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 who frequently rent or borrow vehicles may benefit from non-owner car insurance. This policy provides liability protection if you cause injuries or property damage to others. However, it does not cover your injuries or damage to the car you are driving.

Non-owner car insurance in Missouri costs an average of $346, with Auto-Owners 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.

Be sure to compare your options to find the best non-owner car insurance in Missouri. You can use the tool above to quickly and easily compare non-owner insurance providers 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 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 Missouri?

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.