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

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

State Farm has the cheapest non-owner car insurance in Texas at an average annual premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. of $375. Auto Club Enterprises (AAA) is the second-cheapest insurer at $477 per year, although rates vary significantly between companies.

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

Company	Average annual premium	Average monthly premium
State Farm	$375	$31
Auto Club Enterprises (AAA)	$477	$40
Farmers	$615	$51
GEICO	$798	$67
Progressive	$843	$70
USAA	$280	$23

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What are the best non-owner car insurance companies in Texas?

The best non-owner car insurance companies in Texas are State Farm, Auto Club Enterprises (AAA), and GEICO, based on average rates, customer satisfaction, and complaint ratios. These insurers offer reliable, competitively priced 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.

The table below compares the top non-owner car insurance companies in Texas.

Company	Average annual premium	J.D. Power	NAIC	A.M Best	Overall score
State Farm	$375	648	0.87	A+	4.37
Auto Club Enterprises (AAA)	$477	676	1.29	A+	4.20
GEICO	$798	624	0.60	A++	3.44
Farmers	$615	623	1.24	A	3.20
Progressive	$843	616	0.60	A+	3.17
USAA	$280	720	1.16	A++	4.59

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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 $375. State Farm has an AM Best score of A+ and a low NAIC complaint ratio of 0.87.

Auto Club Enterprises (AAA)

Auto Club Enterprises (AAA) is also a great choice for non-owner car insurance in Texas, offering coverage at an average annual rate of $477. It has earned an AM Best rating of A+ and maintains a low NAIC complaint ratio of 1.29.

GEICO

Our third choice is GEICO, with an average rate of $798. It has an NAIC complaint ratio of 0.60 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 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 Texas

The average cost of non-owner car insurance in Texas is $564 per year. Your rate depends on several personal and location-based factors.

Your rate will vary based on:

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

How do age and gender affect non-owner car insurance rates in Texas?

Age and gender significantly impact non-owner car insurance rates in Texas, with younger drivers paying the highest premiums and drivers in their 50s typically receiving the lowest rates. Pricing trends reflect driving experience and statistical risk patterns.

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

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

Age group	Male	Female
Teens (16-19)	$1,790	$1,678
Young Adults (20-24)	$837	$823
Adults (25-60)	$567	$577
Seniors (65-75)	$615	$595

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Do you need non-owner car insurance in Texas?

You may need non-owner insurance in Texas if you drive cars you do not own on a regular basis. This coverage can also help if you need proof of insurance to file an SR-22 after a license suspension.

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 Texas 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.

Additionally, since insurance companies expect that people without a car will drive less often and because non-owner car insurance serves as secondary coverage to the vehicle owner's policy, the overall 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 shows a comparison of average yearly rates for non-owner and standard car insurance.

Non-owners state minimum liability only	$564
Traditional state minimum policy	$841
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 provides only the basic coverage required to drive legally. It satisfies all the minimum car insurance requirements in Texas, but it won't cover any damage to the vehicle you're driving.

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 Texas

Drivers in Texas 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-owners car insurance averages $564 in Texas, and State Farm 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

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 Texas

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

No. If you have permission to drive the vehicle, the owner's insurance policy usually covers you under the permissive use provision. However, non-owner insurance can provide extra liability protection if accident costs exceed the owner's policy limits or if you regularly borrow vehicles.

Can I use non-owner insurance for Uber or delivery driving in Texas?

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.