Non-owner car insurance in Rhode Island: Best and cheapest companies

Cheapest non-owner car insurance companies in Rhode Island

The cheapest non-owner car insurer in Rhode Island is Travelers, with rates averaging $328. The second cheapest Rhode Island non-owner insurer is Geico. Average rates are $366.

Compare the cheapest non-owner car insurance companies in Rhode Island below.

Company	Average annual premium	Average monthly premium
Travelers	$328	$27
Geico	$366	$31
American Family	$425	$35
Nationwide	$751	$63
Progressive	$797	$66
Farmers	$1,015	$85
USAA	$152	$13

Data updated in 2024

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Best non-owner car insurance in Rhode Island

While Travelers is the top choice, Geico and Nationwide are also great options for non-owner coverage.

To find the best non-owner car insurance companies in Rhode Island, 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 Rhode Island.

Company	Average annual premium	J.D. Power	NAIC	AM Best	Overall score
Travelers	$328	782	0.49	A++	3.76
Geico	$366	836	0.91	A++	3.37
Nationwide	$751	810	0.64	A+	2.92
Progressive	$797	802	0.65	A+	2.86
American Family	$425	820	1.10	A	2.78
Farmers	$1,015	821	0.80	A	2.38

Data updated in 2024

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 Rhode Island.

Travelers

Our number one pick for non-owner car insurance in Rhode Island is Travelers. The average rate for liability coverage is $328. Travelers has an AM Best score of A++ and an NAIC complaint ratio of 0.49.

Geico

Another excellent choice for non-owner car insurance in Rhode Island is Geico. Average rates are $366 annually. Geico has an AM Best rating of A++ and an NAIC complaint ratio of 0.91.

Nationwide

Our third pick is Nationwide. Nationwide rates average $751. Its NAIC complaint ratio is 0.64, and it has a rating of A+.

Non-owner car insurance in Rhode Island by age and gender

Whether you're looking for non-owner or standard car insurance, age and gender affect your rates in Rhode Island.

Age is one of the most important factors that impacts car insurance rates. Younger drivers lack experience and are more likely to be in accidents. That means car insurance companies charge higher rates to offset claims.

Gender also plays a part in determining car insurance rates in most states. Males tend to be riskier drivers and have more injuries, leading to higher premiums.

Below are the average Rhode Island rates for non-owner car insurance based on age and gender.

Age group	Female	Male
Teens (16-19)	$908	$903
Young Adults (20-24)	$629	$615
Adults (25-60)	$515	$519
Seniors (65-75)	$573	$537

Data updated in 2024

Read our methodology

Average annual rates for 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 Rhode Island 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.

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	Traditional state minimum policy	State minimum car insurance limits
$518	$646	25/50/25

Data updated in 2024

Read our methodology

Average cost of non-owner car insurance in Rhode Island

The average cost of non-owner car insurance in Rhode Island is $518, but rates may vary based on factors such as your driving record, age, and coverage level.

The bottom line: Non-owner car insurance in Rhode Island

Drivers in Rhode Island 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 $518 in Rhode Island, and Travelers 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.

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

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++.