Non-owner car insurance in New Jersey: Best and cheapest companies

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

The cheapest non-owner car insurance in New Jersey is from Selective Insurance, with an average rate of $310. The second most affordable option in New Jersey is Travelers, with an average rate of $421.

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

Company	Average annual premium	Average monthly premium
Selective Insurance	$310	$26
Travelers	$421	$35
GEICO	$447	$37
State Farm	$845	$70
Progressive	$856	$71

Read our methodology

Best non-owner car insurance in New Jersey

While Travelers is the top choice, GEICO and State Farm are also great options for non-owner coverage.

To find the best non-owner car insurance companies in New Jersey, 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 New Jersey.

Company	Average annual premium	J.D. Power	NAIC	AM Best	Overall score
Travelers	$421	822	0.49	A++	3.19
GEICO	$447	818	0.91	A++	3.16
State Farm	$845	843	0.70	A++	2.63
Progressive	$856	814	0.65	A+	2.25

Read our methodology

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

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

Travelers

Our top choice for non-owner car insurance in New Jersey is Travelers, with an average rate of $421 for liability coverage. Travelers holds an AM Best rating of A++ and has an NAIC complaint ratio of 0.49.

GEICO

GEICO is also a great choice for non-owner car insurance in New Jersey, offering coverage at an average annual rate of $447. It has earned an AM Best rating of A++ and maintains a low NAIC complaint ratio of 0.91.

State Farm

Our third pick is State Farm. State Farm rates average $845. Its NAIC complaint ratio is 0.7, and it has a rating of A++.

PEOPLE ASK:

Do I need New Jersey 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 New Jersey

The average cost of non-owner car insurance in New Jersey is $459, 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 New Jersey 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 New Jersey.

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

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

Age group	Female	Male
Teens (16-19)	$982	$935
Young Adults (20-24)	$677	$663
Adults (25-60)	$471	$471
Seniors (65-75)	$480	$491

Read our methodology

Do you need non-owner car insurance in New Jersey?

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 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 New Jersey 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	$459
Traditional state minimum policy	$853
State minimum car insurance limits	25/50/25

Read our methodology

What does New Jersey non-owner car insurance cover?

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

Drivers in New Jersey 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 $459 in New Jersey, and Selective Insurance offers the lowest rates. In our analysis, Travelers 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 New Jersey. Use the tool above to easily compare non-owner insurance providers near you.

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 New Jersey

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

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 New Jersey?

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.