Which companies offer the cheapest non-owner car insurance in Oklahoma?
Progressive has the cheapest non-owner car insurance in Oklahoma, with average annual rates of $319. GEICO is the second-cheapest option at $355 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 Oklahoma.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| Progressive | $319 | $27 |
| GEICO | $355 | $30 |
| Mercury Insurance | $377 | $31 |
| Shelter Insurance | $560 | $47 |
| Farmers | $670 | $56 |
| Equity Insurance | $927 | $77 |
| USAA | $139 | $12 |
Best non-owner car insurance in Oklahoma
GEICO is the best non-owner car insurance company in Oklahoma based on cost, customer complaints and financial strength ratings. Progressive and Shelter Insurance are also strong choices for drivers looking for affordable liability coverage.
To identify the best non-owner car insurance companies in Oklahoma, 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 Oklahoma.
| Company | Average annual premium | J.D. Power | NAIC | A.M Best | Overall score |
|---|---|---|---|---|---|
| GEICO | $355 | 641 | 0.60 | A++ | 4.49 |
| Progressive | $319 | 637 | 0.60 | A+ | 4.47 |
| Shelter Insurance | $560 | 673 | 0.44 | A | 4.15 |
| Mercury Insurance | $377 | 594 | 1.07 | A | 3.52 |
| Farmers | $670 | 641 | 1.24 | A | 3.03 |
| USAA | $139 | 719 | 1.16 | A++ | 4.55 |
Insurance.com's top choices for non-owner car insurance
Explore our top recommendations for non-owner car insurance in Oklahoma.
GEICO
Our top choice for non-owner car insurance in Oklahoma is GEICO, with an average rate of $355 for liability coverage. GEICO holds an AM Best rating of A++ and has an NAIC complaint ratio of 0.60.
Progressive
Progressive is another great option for non-owner car insurance in Oklahoma, with average rates of $319 per year. It has an AM Best rating of A+ and a low NAIC complaint ratio of 0.60.
Shelter Insurance
Our third choice is Shelter Insurance, with an average rate of $560. It has an NAIC complaint ratio of 0.44 and an AM Best rating of A.
PEOPLE ASK:
Do I need Oklahoma 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 Oklahoma
The average cost of non-owner car insurance in Oklahoma is $477 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 Oklahoma 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 Oklahoma, your years of driving experience will still impact what you pay.
Below are the average non-owner car insurance rates in Oklahoma by age and gender.
| Age group | Male | Female |
|---|---|---|
| Teens (16-19) | $2,149 | $1,894 |
| Young Adults (20-24) | $898 | $808 |
| Adults (25-60) | $467 | $470 |
| Seniors (65-75) | $470 | $411 |
Do you need non-owner car insurance in Oklahoma?
Drivers in Oklahoma may need non-owner car insurance if they frequently borrow or rent vehicles, need an SR-22 filing or want to maintain continuous coverage between cars. Drivers who own a vehicle, rarely drive or already have coverage through another policy generally do not need a non-owner policy.
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 usually costs less than standard car insurance because it provides minimal coverage. While non-owner policies only include liability coverage, standard car insurance can offer much broader protection.
For instance, non-owner car insurance in Oklahoma won't cover damage to the vehicle you're driving. In contrast, traditional car insurance can include collision and comprehensive coverage to help pay for vehicle repairs or replacements.
Non-owner car insurance is cheaper because drivers without vehicles drive less often and file fewer claims. This coverage also acts as secondary insurance, meaning the car owner's policy pays first. Non-owner insurance may apply only after the vehicle owner's liability limits are exhausted.
The table below shows a comparison of average yearly rates for non-owner and standard car insurance.
| Non-owners state minimum liability only | $477 |
| Traditional state minimum policy | $585 |
| State minimum car insurance limits | 25/50/25 |
What does Oklahoma non-owner car insurance cover?
A Oklahoma non-owner car insurance policy provides only the basic coverage required to drive legally. It satisfies all the minimum car insurance requirements in Oklahoma, 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 Oklahoma
Oklahoma 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 Oklahoma costs an average of $477, with Progressive 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.
Shop around to find the best Oklahoma non-owner car insurance available. Use the tool above to compare non-owner insurers in your area.
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 Oklahoma
Do I need non-owner insurance to drive a friend's car in Oklahoma?
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 Oklahoma?
No. Non-owner car insurance does not cover commercial driving activities such as Uber, Lyft or food delivery services. Drivers using vehicles for rideshare or delivery work need commercial or rideshare insurance coverage that specifically includes business-related driving risks.
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.
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