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

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

The cheapest non-owner car insurance company in Wisconsin is GEICO, with average annual rates of $156, followed by Rural Mutual Insurance at $193. These insurers consistently offer the lowest liability-only premiums for drivers who don't own a vehicle.

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

Company	Average annual premium	Average monthly premium
GEICO	$156	$13
Rural Mutual Insurance	$193	$16
Auto-Owners	$205	$17
Acuity Insurance	$238	$20
Erie Insurance	$251	$21
Farmers	$618	$52
West Bend Insurance Company	$755	$63
Nationwide	$773	$64

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Best non-owner car insurance in Wisconsin

GEICO is the best non-owner car insurance company in Wisconsin based on cost, customer complaints and financial strength ratings. Erie Insurance and Nationwide are also strong choices for drivers looking for affordable liability coverage.

To identify the best non-owner car insurance companies in Wisconsin, we considered several key factors, such as the number of customer complaints, financial strength, and average premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. rates. Our analysis used rate data from Quadrant Information Services, along with third-party ratings from J.D. Power, AM Best, and the National Association of Insurance Commissioners (NAIC).

The table below provides a comparison of the top non-owner car insurance companies in Wisconsin.

Company	Average annual premium	J.D. Power	NAIC	A.M Best	Overall score
GEICO	$156	651	0.60	A++	4.59
Erie Insurance	$251	684	0.77	A	4.55
Nationwide	$773	674	0.64	A	3.68
Farmers	$618	623	1.24	A	2.83

Read our methodology

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

Explore our top recommendations for non-owner car insurance in Wisconsin.

GEICO

Our top choice for non-owner car insurance in Wisconsin is GEICO, with an average rate of $156 for liability coverage. GEICO holds an AM Best rating of A++ and has an NAIC complaint ratio of 0.60.

Erie Insurance

Erie Insurance is another great option for non-owner car insurance in Wisconsin, with average rates of $251 per year. It has an AM Best rating of A and a low NAIC complaint ratio of 0.77.

Nationwide

Our third recommendation is Nationwide, with average rates of $773. It has an NAIC complaint ratio of 0.64 and holds 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 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 Wisconsin

The average cost of non-owner car insurance in Wisconsin is $398 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

Non-owner car insurance in Wisconsin by age and gender

Teen drivers and younger motorists usually pay the highest premiums because insurers consider them higher risk. Rates generally decrease after age 25, remain lowest for drivers in their 50s and may increase slightly after age 65.

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

Even in a state that bans the use of age and gender for car insurance rates, like Wisconsin, your years of driving experience will still impact what you pay.

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

Age group	Male	Female
Teens (16-19)	$746	$667
Young Adults (20-24)	$509	$482
Adults (25-60)	$393	$402
Seniors (65-75)	$444	$438

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Do you need non-owner car insurance in Wisconsin?

You may need non-owner car insurance in Wisconsin if you frequently borrow or rent cars, need to file an SR-22, or want to maintain continuous coverage. However, it's unnecessary if you already own a vehicle or only drive occasionally.

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 Wisconsin 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	$398
Traditional state minimum policy	$569
State minimum car insurance limits	25/50/10

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What does Wisconsin non-owner car insurance cover?

Non-owner car insurance in Wisconsin generally provides the minimum required liability coverage, including bodily injury and property damage liability. In no-fault states, policies will also include required personal injury protectionPersonal injury protection (PIP) pays for your medical, hospital and funeral expenses resulting from a car accident, regardless of who's at fault. (PIP) coverage. However, non-owner insurance does not cover damage to the vehicle you are 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 Wisconsin

Drivers in Wisconsin might need non-owner car insurance for different situations, like renting or borrowing a vehicle. However, this coverage typically only includes liability protection to cover property damage or injuries you cause to others. It does not cover you personally or any damage to the car you're driving.

Non-owner car insurance in Wisconsin costs an average of $398 per year. GEICO offers the cheapest average premium at $156. Based on our analysis of rates, complaint data and financial strength, GEICO is the best overall insurer for non-owner coverage in Wisconsin.

Be sure to compare your options to find the best non-owner car insurance in Wisconsin. You can use the tool above to quickly and easily compare non-owner insurance providers 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 Wisconsin

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

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 Wisconsin?

No. Non-owner car insurance does not cover commercial driving activities such as Uber, Lyft or food delivery services. Drivers using vehicles for rideshare or delivery work need commercial or rideshare insurance coverage that specifically includes business-related driving risks.

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.