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

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

State Farm has the cheapest non-owner car insurance in Montana, with average annual rates of $210. GEICO is the second-cheapest option at $349 per year. Your final rate may change based on your age, driving history, ZIP code and coverage limits.

The table below lists the most budget-friendly non-owner car insurance companies in Montana.

Company	Average annual premium	Average monthly premium
State Farm	$210	$17
GEICO	$349	$29
Farmers	$421	$35
Progressive	$620	$52
Nationwide	$752	$63
USAA	$121	$10

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Best non-owner car insurance in Montana

State Farm is the best non-owner car insurance company in Montana based on cost, customer complaints and financial strength ratings. GEICO and Farmers are also strong choices for drivers looking for affordable liability coverage.

To identify the best non-owner car insurance companies in Montana, 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 Montana.

Company	Average annual premium	J.D. Power	NAIC	A.M Best	Overall score
State Farm	$210	648	0.87	A+	4.71
GEICO	$349	631	0.60	A++	4.43
Farmers	$421	620	1.24	A	3.43
Progressive	$620	607	0.60	A+	3.41
Nationwide	$752	625	0.64	A	3.39
USAA	$121	729	1.16	A++	4.56

Read our methodology

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

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

State Farm

Our top choice for non-owner car insurance in Montana is State Farm, with an average rate of $210 for liability coverage. State Farm holds an AM Best rating of A+ and has an NAIC complaint ratio of 0.87.

GEICO

GEICO is another great option for non-owner car insurance in Montana, with average rates of $349 per year. It has an AM Best rating of A++ and a low NAIC complaint ratio of 0.60.

Farmers

Our third recommendation is Farmers, with average rates of $421. It has an NAIC complaint ratio of 1.24 and holds an AM Best rating of A.

PEOPLE ASK:

Do I need Montana 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 Montana

The average cost of non-owner car insurance in Montana is $412 per year. Rates depend on several factors, including your driving record, age, ZIP code, and coverage limits. Drivers with clean records and continuous insurance coverage generally pay lower premiums than drivers with accidents, violations or insurance lapses.

The average cost of non-owner car insurance will vary based on:

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

Non-owner car insurance in Montana 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 Montana, your years of driving experience will still impact what you pay.

Below are the average non-owner car insurance rates in Montana by age and gender.

Age group	Male	Female
Teens (16-19)	$990	$941
Young Adults (20-24)	$543	$530
Adults (25-60)	$414	$419
Seniors (65-75)	$435	$424

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Do you need non-owner car insurance in Montana?

You may need non-owner insurance in Montana if you drive cars you do not own on a regular basis. This coverage can also help if you need proof of insurance to file an SR-22 after a license suspension.

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 Montana 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.

Additionally, since insurance companies expect that people without a car will drive less often and because non-owner car insurance serves as secondary coverage to the vehicle owner's policy, the overall 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 liability only	$412
Traditional state minimum policy	$521
State minimum car insurance limits	25/50/20

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What does Montana non-owner car insurance cover?

A Montana non-owner car insurance policy provides only the basic coverage required to drive legally. It satisfies all the minimum car insurance requirements in Montana, 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 Montana

Drivers in Montana 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 Montana costs an average of $412 per year. State Farm offers the cheapest average premium at $210. Based on our analysis of rates, complaint data and financial strength, State Farm is the best overall insurer for non-owner coverage in Montana.

Drivers in Montana can find the best non-owner insurance policy by comparing quotes from multiple companies, reviewing customer complaint ratios and checking AM Best financial ratings. Choosing appropriate liability limits and maintaining continuous insurance coverage can also help lower premiums over time.

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 Montana

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

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 Montana?

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.