- Cheapest non-owner car insurance companies in Texas
- Best non-owner car insurance in Texas
- Insurance.com's top choices for non-owner car insurance
- Non-owner car insurance in Texas by age and gender
- Average annual rates for non-owner vs. traditional car insurance
- Average cost of non-owner car insurance in Texas
- The bottom line: Non-owner car insurance in Texas
- Methodology
- Compare Texas non-owners car insurance rates with other states
Cheapest non-owner car insurance companies in Texas
The cheapest non-owner car insurance in Texas is from Texas Farm Bureau, with an average rate of $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 |
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 |
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
Our number one pick for non-owner car insurance in Texas is State Farm. The average rate for liability coverage is $233. State Farm has an AM Best score of A++ and an NAIC complaint ratio of 0.7.
Texas Farm Bureau
Another excellent choice for non-owner car insurance in Texas is Texas Farm Bureau. Average rates are $202 annually. Texas Farm Bureau has an AM Best rating of A- and an NAIC complaint ratio of 0.14.
Auto Club Enterprises (AAA)
Our third pick is Auto Club Enterprises (AAA). Auto Club Enterprises (AAA) rates average $223. Its NAIC complaint ratio is 2.21, and it has a rating of A+.
Non-owner car insurance in Texas by age and gender
Your age and gender can impact your rates, whether you're shopping for non-owner or standard car insurance in Texas.
Age plays an important role in calculating car insurance rates. Younger drivers have less experience and are more likely to have accidents, so insurance companies charge higher rates to cover the risk.
Gender is another factor that affects car insurance rates in most states. Men are often considered higher-risk drivers and tend to have more accidents, resulting in higher premiums.
Here are the average Texas non-owner car insurance rates by 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 |
Average annual rates for 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 Texas 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 | Traditional state minimum policy | State minimum car insurance limits |
---|---|---|
$447 | $572 | 30/60/25 |
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.
The bottom line: Non-owner car insurance in Texas
Drivers in Texas 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 $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.
Take the time to compare options to find the best non-owner car insurance in Texas. Use the tool above to easily compare non-owner insurance providers near you.
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++.
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