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

Cheapest non-owner car insurance companies in Wisconsin

Erie Insurance offers the most affordable non-owner car insurance in Wisconsin, with rates averaging $105. The second cheapest Wisconsin non-owner insurer is State Farm. Average rates are $145.

Compare the cheapest non-owner car insurance companies in Wisconsin below.

Company	Average annual premium	Average monthly premium
Erie Insurance	$105	$9
State Farm	$145	$12
West Bend Insurance Company	$213	$18
GEICO	$219	$18
Acuity Insurance	$220	$18
Travelers	$263	$22
Nationwide	$365	$30
Farmers	$438	$37
USAA	$104	$9

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Best non-owner car insurance in Wisconsin

Although Erie Insurance came out on top, Travelers and State Farm are also excellent choices for providing non-owner coverage.

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

Company	Average annual premium	J.D. Power	NAIC	AM Best	Overall score
Erie Insurance	$105	844	0.61	A+	4.46
Travelers	$263	806	0.49	A++	3.30
State Farm	$145	837	0.70	A++	3.29
GEICO	$219	831	0.91	A++	2.43
Nationwide	$365	821	0.64	A+	2.36
Farmers	$438	816	0.80	A	1.86

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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 Wisconsin.

Erie Insurance

Erie Insurance is our top choice for non-owner car insurance in Wisconsin. Its average annual non-owner car insurance cost is $105. Erie Insurance has an AM Best score of A+ and a low NAIC complaint ratio of 0.61.

Travelers

Another excellent choice for non-owner car insurance in Wisconsin is Travelers. Average rates are $263 annually. Travelers has an AM Best rating of A++ and an NAIC complaint ratio of 0.49.

State Farm

Our third choice is State Farm, with an average rate of $145. It has an NAIC complaint ratio of 0.7 and an AM Best rating of A++.

PEOPLE ASK:

Do I need Wisconsin 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 Wisconsin

The average cost of non-owner car insurance in Wisconsin is $230, but rates may vary based on factors such as your driving record, age, and coverage level.

Non-owner car insurance in Wisconsin by age and gender

Your age and gender can impact your rates, whether you're shopping for non-owner or standard car insurance in Wisconsin.

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 Wisconsin non-owner car insurance rates by age and gender.

Age group	Female	Male
Teens (16-19)	$557	$565
Young Adults (20-24)	$302	$296
Adults (25-60)	$228	$230
Seniors (65-75)	$258	$251

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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 Wisconsin 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	$230
Traditional state minimum policy	$365
State minimum car insurance limits	25/50/10

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What does Wisconsin non-owner car insurance cover?

A Wisconsin 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 Wisconsin. 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 Wisconsin

Drivers in Wisconsin 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-owner car insurance in Wisconsin costs an average of $230, with Erie Insurance offering the lowest rates. Our analysis found that Erie Insurance is the best overall choice. Keep in mind that your age, gender and driving record play a significant role in determining your insurance rates.

Take the time to compare options to find the best non-owner car insurance in Wisconsin. 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++.