- Cheapest non-owner car insurance companies in Rhode Island
- Best non-owner car insurance in Rhode Island
- Insurance.com's top choices for non-owner car insurance
- Average cost of non-owner car insurance in Rhode Island
- Non-owner car insurance in Rhode Island by age and gender
- Non-owner vs. traditional car insurance
- What does Rhode Island non-owner car insurance cover?
- The bottom line: Non-owner car insurance in Rhode Island
- Methodology
- Compare Rhode Island non-owners car insurance rates with other states
Cheapest non-owner car insurance companies in Rhode Island
Travelers is the cheapest non-owner car insurance in Rhode Island, with rates averaging $328. The second most affordable option in Rhode Island is Geico, with an average rate of $366.
The table below shows the most affordable non-owner car insurance companies in Rhode Island.
| 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 |
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 |
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
Geico is another great option for non-owner car insurance in Rhode Island, with average rates of $366 per year. It has an AM Best rating of A++ and a low NAIC complaint ratio of 0.91.
Nationwide
Our third choice is Nationwide, with an average rate of $751. It has an NAIC complaint ratio of 0.64 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 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 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.
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 |
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 Rhode Island 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 | $518 |
| Traditional state minimum policy | $646 |
| State minimum car insurance limits | 25/50/25 |
What does Rhode Island non-owner car insurance cover?
A Rhode Island non-owner car insurance policy only provides the legally required coverage to be on the road. It includes all Rhode Island 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 Rhode Island
Rhode Island 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-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.
Take the time to compare options to find the best non-owner car insurance in Rhode Island. Use the tool above to easily compare non-owner insurance providers near you.
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++.
Compare Rhode Island non-owners car insurance rates with other states
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