- Cheapest non-owner car insurance companies in New York
- Best non-owner car insurance in New York
- Insurance.com's top choices for non-owner car insurance
- Non-owner car insurance in New York by age and gender
- Average annual rates for non-owner vs. traditional car insurance
- Average cost of non-owner car insurance in New York
- The bottom line: Non-owner car insurance in New York
- Methodology
- Compare New York non-owners car insurance rates with other states
Cheapest non-owner car insurance companies in New York
The cheapest non-owner car insurance in New York is from Geico, with an average rate of $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 |
Best non-owner car insurance in New York
While NYCM Insurance is the top choice, Erie Insurance and Geico are also great options for 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 (NAIC).
The table below shows a comparison of the best 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 |
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
Our number one pick for non-owner car insurance in New York is NYCM Insurance. The average rate for liability coverage is $351. NYCM Insurance has an AM Best score of A and an NAIC complaint ratio of 0.22.
Erie Insurance
Erie Insurance is another great option for non-owner car insurance in New York, with average rates of $298 per year. It has an AM Best rating of A and a low 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++.
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 |
Average annual rates for 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 York 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 policy | $421 |
| Traditional state minimum policy | $731 |
| State minimum car insurance limits | 25/50/10 |
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.
The bottom line: Non-owner car insurance in New York
Drivers in New York 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 $421 in New York, and Geico offers the lowest rates. In our analysis, NYCM Insurance 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 York. Use the tool above to easily compare non-owner insurance providers near you.
Expert's Insight
"Consumers may think it's only important to maintain insurance when they own a vehicle, without realizing that gaps in insurance coverage might disqualify them from the benefit of certain discounts. Some individuals will cancel their auto policy when they're between vehicles or simply don't have regular access to a vehicle. Demonstrating a history of continuous insurance coverage can not only help you qualify for future discounts but can also provide you protection and peace of mind in the event you are involved in an accident while driving, or even riding in, someone else's car. A non-owner policy is an inexpensive way to accomplish both," says Rick Kautzer, director of product management at Dairyland Insurance.
Methodology
Insurance.com analyzed non-owner car insurance companies in 2024 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++.
Compare New York non-owners car insurance rates with other states
Helpful auto insurance tools and calculators
You might also be interested in- New-York DUI insurance: How much does a DUI raise your insurance?
- Speeding ticket calculator in New York
- Low-income car insurance in New York: What you need to know
- New York car insurance guide
- Cheapest car insurance for high-risk drivers in New York
- Cheapest home and auto insurance bundle in New York
- Best condo insurance in New York for 2024
- Best and cheapest renters insurance in New York
- New York health insurance: Your options, costs and how to buy a plan
- Best and cheapest homeowners insurance in New York in 2025
