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

Cheapest non-owner car insurance companies in New York

GEICO is the cheapest non-owner car insurance in New York, with rates averaging $221. The second most affordable option in New York is Erie Insurance, with an average rate of $298.

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

Company	Average annual premium	Average monthly premium
GEICO	$221	$18
Erie Insurance	$298	$25
NYCM Insurance	$351	$29
State Farm	$431	$36
Progressive	$691	$58
Travelers	$907	$76
USAA	$319	$27

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Best non-owner car insurance in New York

Although NYCM Insurance came out on top, Erie Insurance and GEICO are also excellent choices for providing non-owner coverage.

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

Company	Average annual premium	J.D. Power	NAIC	AM Best	Overall score
NYCM Insurance	$351	842	0.22	A	3.50
Erie Insurance	$298	845	0.61	A	3.30
GEICO	$221	821	0.91	A++	3.06
State Farm	$431	826	0.70	A++	2.91
Progressive	$691	818	0.65	A+	2.31
Travelers	$907	821	0.49	A++	2.27

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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 York.

NYCM Insurance

NYCM Insurance is our top choice for non-owner car insurance in New York. Its average annual non-owner car insurance cost is $351. NYCM Insurance has an AM Best score of A and a low NAIC complaint ratio of 0.22.

Erie Insurance

Another excellent choice for non-owner car insurance in New York is Erie Insurance. Average rates are $298 annually. Erie Insurance has an AM Best rating of A and an NAIC complaint ratio of 0.61.

GEICO

Our third choice is GEICO, with an average rate of $221. It has an NAIC complaint ratio of 0.91 and an AM Best rating of A++.

PEOPLE ASK:

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

Probably not, unless you drive it frequently. Occasional use of a friend's car is covered by their insurance as permissive use, usually as long as it's less than 12 times a year. Still, it's always best to check with your friend's insurance company.

Average cost of non-owner car insurance in New York

The average cost of non-owner car insurance in New York is $421, but rates may vary based on factors such as your driving record, age, and coverage level.

Non-owner car insurance in New York by age and gender

Your age and gender can impact your rates, whether you're shopping for non-owner or standard car insurance in New York.

Age plays an important role in calculating car insurance rates. Younger drivers have less experience and are more likely to have accidents, so insurance companies charge higher rates to cover the risk.

Gender is another factor that affects car insurance rates in most states. Men are often considered higher-risk drivers and tend to have more accidents, resulting in higher premiums.

Here are the average New York non-owner car insurance rates by age and gender.

Age group	Female	Male
Teens (16-19)	$833	$813
Young Adults (20-24)	$522	$519
Adults (25-60)	$418	$423
Seniors (65-75)	$441	$437

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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 York 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	$421
Traditional state minimum policy	$731
State minimum car insurance limits	25/50/10

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What does New York non-owner car insurance cover?

A New York non-owner car insurance policy only provides the legally required coverage to be on the road. It includes all New York minimum car insurance requirements. It doesn't cover any damage to the vehicle itself.

Non-owner car insurance is secondary, which means it will only apply after the car owner's policy limits are exceeded.

The bottom line: Non-owner car insurance in New York

New York drivers may need non-owner car insurance for various reasons, such as renting or borrowing a car. However, this type of coverage typically only offers liability coverage to pay for property damage or bodily injuries you cause to others. Coverage does not extend to you or the vehicle you're driving.

Non-owner car insurance in New York costs an average of $421, with GEICO offering the lowest rates. Our analysis found that NYCM 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.

Shop around to find the best New York non-owner car insurance available. Use the tool above to compare non-owner insurers in your area.

Methodology

Insurance.com analyzed non-owner car insurance companies in 2023 to find the cheapest and the best overall based on rates and third-party ratings.

Non-owner car insurance rates were fielded by Quadrant Data Services for a sample policy based on a 40-year-old driver with a clean record and good credit for a state minimum liability policy. These rates were one of the factors used to rank the best companies.

For additional data points in the ranking, customer complaints ratios were pulled 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 were drawn from J.D. Power's U.S. Auto Insurance Study, where companies are scored out of 1,000. Finally, AM Best financial ratings were used to indicate financial stability, where the best possible score is A++.