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 company in New Jersey is Travelers, with average annual rates of $528, followed by GEICO at $663. 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 New Jersey below.

Company	Average annual premium	Average monthly premium
Travelers	$528	$44
GEICO	$663	$55
Plymouth Rock Assurance	$1,148	$96
Progressive	$1,445	$120
State Farm	$1,994	$166

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

The best non-owner car insurance companies in New Jersey are GEICO, Travelers, and Plymouth Rock Assurance, 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 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.

The table below compares the top non-owner car insurance companies in New Jersey.

Company	Average annual premium	J.D. Power	NAIC	A.M Best	Overall score
GEICO	$663	643	0.60	A++	4.23
Travelers	$528	633	0.63	A++	4.18
Plymouth Rock Assurance	$1,148	614	0.22	A-	3.58
Progressive	$1,445	625	0.60	A+	3.39
State Farm	$1,994	673	0.87	A	3.33

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 New Jersey.

GEICO

GEICO is our top choice for non-owner car insurance in New Jersey. Its average annual non-owner car insurance cost is $663. GEICO has an AM Best score of A++ and a low NAIC complaint ratio of 0.60.

Travelers

Another excellent choice for non-owner car insurance in New Jersey is Travelers. Average rates are $528 annually. Travelers has an AM Best rating of A++ and an NAIC complaint ratio of 0.63.

Plymouth Rock Assurance

Our third pick is Plymouth Rock Assurance. Plymouth Rock Assurance rates average $1,148. Its NAIC complaint ratio is 0.22, 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 $1,141 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 New Jersey by age and gender

Teen drivers and younger motorists usually pay the highest premiums because insurers consider them higher risk. Rates generally decrease after age 25, remain lowest for drivers in their 50s and may increase slightly after age 65.

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	Male	Female
Teens (16-19)	$1,895	$1,828
Young Adults (20-24)	$1,468	$1,466
Adults (25-60)	$1,109	$1,165
Seniors (65-75)	$1,303	$1,299

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

You may need non-owner insurance in New Jersey 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 New Jersey 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 liability only	$1,141
Traditional state minimum policy	$1,395
State minimum car insurance limits	35/70/25

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What does New Jersey non-owner car insurance cover?

Non-owner car insurance in New Jersey covers liability claims when you cause an accident in a borrowed or rented vehicle and other state-required coverage. Liability coverage pays for injuries and property damage caused to others.

This coverage may include:

Bodily injury liability
Property damage liability

However, it does not cover:

Damage to the car you are driving
Theft or vandalism

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 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 New Jersey costs an average of $1,141, with Travelers offering the lowest rates. Our analysis found that GEICO is the best overall choice. Keep in mind that your age, gender and driving record play a significant role in determining your insurance rates.

Drivers in New Jersey 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 New Jersey

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

No. If you have permission to drive the vehicle, the owner's insurance policy will normally cover you. However, if accident costs exceed the policy limits, non-owner insurance can provide additional liability protection.

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.