Non-owner car insurance in Texas: Best and cheapest companies

Cheapest non-owner car insurance companies in Texas

Texas Farm Bureau is the cheapest non-owner car insurance in Texas, with rates averaging $202. The second most affordable option in Texas is Auto Club Enterprises (AAA), with an average rate of $223.

The table below shows the most affordable non-owner car insurance companies in Texas.

Company	Average annual premium	Average monthly premium
Texas Farm Bureau	$202	$17
Auto Club Enterprises (AAA)	$223	$19
State Farm	$233	$19
Nationwide	$563	$47
Geico	$896	$75
Farmers	$911	$76
USAA	$212	$18

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Best non-owner car insurance in Texas

While State Farm is the top choice, Texas Farm Bureau and Auto Club Enterprises (AAA) are also great options for non-owner coverage.

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

Company	Average annual premium	J.D. Power	NAIC	AM Best	Overall score
State Farm	$233	816	0.70	A++	3.75
Texas Farm Bureau	$202	813	0.14	A-	3.47
Auto Club Enterprises (AAA)	$223	813	2.21	A+	3.08
Nationwide	$563	810	0.64	A+	3.06
Geico	$896	839	0.91	A++	2.91
Farmers	$911	809	0.80	A	2.62

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Insurance.com's top choices for non-owner car insurance

Take a closer look at our top picks for non-owner car insurance in Texas.

State Farm

State Farm is our top choice for non-owner car insurance in Texas. Its average annual non-owner car insurance cost is $233. State Farm has an AM Best score of A++ and a low NAIC complaint ratio of 0.7.

Texas Farm Bureau

Texas Farm Bureau is another great option for non-owner car insurance in Texas, with average rates of $202 per year. It has an AM Best rating of A- and a low NAIC complaint ratio of 0.14.

Auto Club Enterprises (AAA)

Our third choice is Auto Club Enterprises (AAA), with an average rate of $223. It has an NAIC complaint ratio of 2.21 and an AM Best rating of A+.

PEOPLE ASK:

Do I need Texas 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 Texas

The average cost of non-owner car insurance in Texas is $447, but rates may vary based on factors such as your driving record, age, and coverage level.

Non-owner car insurance in Texas by age and gender

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

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 Texas rates for non-owner car insurance based on age and gender.

Age group	Female	Male
Teens (16-19)	$522	$533
Young Adults (20-24)	$468	$499
Adults (25-60)	$442	$447
Seniors (65-75)	$468	$460

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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 Texas 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	$447
Traditional state minimum policy	$572
State minimum car insurance limits	30/60/25

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What does Texas non-owner car insurance cover?

A Texas non-owner car insurance policy only gives you the basic coverage you need to drive legally. It meets all the minimum car insurance requirements in Texas. But it won't pay for any damage to the car itself.

Non-owner car insurance is secondary, so it will only apply after the car owner's policy limits are exceeded.

The bottom line: Non-owner car insurance in Texas

Texas 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 $447 in Texas, and Texas Farm Bureau offers the lowest rates. In our analysis, State Farm was the top pick overall. Remember that your age, gender, and driving record significantly impact insurance rates.

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

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++.