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

Which companies offer the cheapest non-owner car insurance in Rhode Island?

The cheapest non-owner car insurance company in Rhode Island is State Farm, with average annual rates of $274, followed by Travelers at $338. 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 Rhode Island below.

Company	Average annual premium	Average monthly premium
State Farm	$274	$23
Travelers	$338	$28
GEICO	$388	$32
American Family	$584	$49
Nationwide	$674	$56
Progressive	$692	$58
Farmers	$1,217	$101

Read our methodology

Best non-owner car insurance in Rhode Island

GEICO is the best non-owner car insurance company in Rhode Island based on cost, customer complaints and financial strength ratings. Travelers and State Farm are also strong choices for drivers looking for affordable liability coverage.

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

Company	Average annual premium	J.D. Power	NAIC	A.M Best	Overall score
GEICO	$388	639	0.60	A++	4.88
Travelers	$338	622	0.63	A++	4.69
State Farm	$274	634	0.87	A+	4.64
American Family	$584	625	0.67	A	4.27
Progressive	$692	582	0.60	A+	3.72
Nationwide	$674	586	0.64	A	3.69
Farmers	$1,217	587	1.24	A	2.65

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.

GEICO

GEICO is our top choice for non-owner car insurance in Rhode Island. Its average annual non-owner car insurance cost is $388. GEICO has an AM Best score of A++ and a low NAIC complaint ratio of 0.60.

Travelers

Travelers is also a great choice for non-owner car insurance in Rhode Island, offering coverage at an average annual rate of $338. It has earned an AM Best rating of A++ and maintains a low NAIC complaint ratio of 0.63.

State Farm

Our third choice is State Farm, with an average rate of $274. It has an NAIC complaint ratio of 0.87 and an AM Best rating of A+.

PEOPLE ASK:

Do I need Rhode Island 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 Rhode Island

The average cost of non-owner car insurance in Rhode Island is $511 per year. Rates depend on several factors, including your driving record, age, ZIP code, and coverage limits. Drivers with clean records and continuous insurance coverage generally pay lower premiums than drivers with accidents, violations or insurance lapses.

The average cost of non-owner car insurance will vary based on:

Your driving record
The coverage levels on your policy
Your ZIP code

Non-owner car insurance in Rhode Island 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 Rhode Island, your years of driving experience will still impact what you pay.

Below are the average non-owner car insurance rates in Rhode Island by age and gender.

Age group	Male	Female
Teens (16-19)	$2,226	$1,898
Young Adults (20-24)	$744	$791
Adults (25-60)	$551	$572
Seniors (65-75)	$570	$569

Read our methodology

Do you need non-owner car insurance in Rhode Island?

Drivers in Rhode Island 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 Rhode Island 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	$511
Traditional state minimum policy	$845
State minimum car insurance limits	25/50/25

Read our methodology

What does Rhode Island non-owner car insurance cover?

Non-owner car insurance in Rhode Island 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 Rhode Island

Drivers in Rhode Island 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 Rhode Island costs an average of $511, with State Farm 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 Rhode Island 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 Rhode Island

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

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 Rhode Island?

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.