Which company has the cheapest non-owner car insurance?
GEICO is the cheapest company for a non-owner insurance policy, with an average annual cost of $458, according to Insurance.com data. USAA is cheaper if you are eligible, but only caters to military members, veterans and their families.
Below are the average rates for a non-owner policy that meets state requirements among the top insurance providers in the country. These policies include minimum liability insuranceLiability insurance covers sums that an insured becomes legally obligated to pay because of bodily injuries or property damage, or financial losses caused to other people. and 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. where required by law. Note that regional insurance providers might offer lower rates than national companies. We've gathered those rates by state further down the page.
| Company | Average annual rate |
|---|---|
| GEICO | $458 |
| Travelers | $464 |
| State Farm | $555 |
| Farmers | $615 |
| Progressive | $708 |
| Nationwide | $758 |
| Allstate | $826 |
| USAA* | $207 |
*USAA provides coverage only to military members, veterans and their families.
Cheapest non-owner car insurance companies by state
The cost of non-owner car insurance varies by state and carrierAn insurance carrier is the company that provides your car insurance policy and pays claims.. GEICO and Auto-Owners are the cheapest in many states, with the exception of USAA, which is only available to military members, veterans and their families.
The cheapest insurance provider in your state might be a regional carrier. Take a look at the rates below to find the cheapest company in your state.
| Company | Average annual rate |
|---|---|
| GEICO | $204 |
| State Farm | $257 |
| Western National Insurance | $318 |
| Progressive | $579 |
| USAA | $161 |
How to get cheap non-owner car insurance
The best way to get a cheap non-owner policy is to shop around. Rates for non-owner insurance may be higher if you need an SR-22 or have any violations on your record, but shopping around can still help you to save. Your age, gender and credit will also impact your rates in most states.
Before you buy non-owner car insurance, make sure it’s right for you and that you understand what non-owner car insurance covers and what it doesn’t. A non-owner policy isn’t right for everyone, but if it’s right for you it’s a great way to protect yourself at a low price.
How much is non-owner car insurance?
The average cost of non-owner car insurance nationwide is $486 a year. However, rates vary by state. South Dakota has the cheapest rates at $216 a year, while the most expensive state is New Jersey at $1,141 a year.
| State | Avg annual rate, non-owner policy | $ difference from national avg | % difference from national avg |
|---|---|---|---|
| Alabama | $469 | -$17 | -4% |
| Alaska | $296 | -$190 | -39% |
| Arizona | $652 | $166 | 34% |
| Arkansas | $440 | -$46 | -9% |
| California | $500 | $14 | 3% |
| Colorado | $506 | $20 | 4% |
| Connecticut | $1,054 | $568 | 117% |
| Delaware | $936 | $450 | 93% |
| Florida | $668 | $182 | 38% |
| Georgia | $510 | $24 | 5% |
| Hawaii | $389 | -$97 | -20% |
| Idaho | $297 | -$189 | -39% |
| Illinois | $518 | $32 | 7% |
| Indiana | $320 | -$166 | -34% |
| Iowa | $280 | -$206 | -42% |
| Kansas | $408 | -$78 | -16% |
| Kentucky | $499 | $13 | 3% |
| Louisiana | $410 | -$76 | -16% |
| Maine | $271 | -$215 | -44% |
| Maryland | $516 | $30 | 6% |
| Massachusetts | $686 | $200 | 41% |
| Michigan | $855 | $369 | 76% |
| Minnesota | $352 | -$134 | -28% |
| Mississippi | $474 | -$12 | -2% |
| Missouri | $346 | -$140 | -29% |
| Montana | $412 | -$74 | -15% |
| Nebraska | $402 | -$84 | -17% |
| Nevada | $823 | $337 | 69% |
| New Hampshire | $437 | -$49 | -10% |
| New Jersey | $1,141 | $655 | 135% |
| New Mexico | $413 | -$73 | -15% |
| New York | $606 | $120 | 25% |
| North Carolina | $681 | $195 | 40% |
| North Dakota | $353 | -$133 | -27% |
| Ohio | $291 | -$195 | -40% |
| Oklahoma | $477 | -$9 | -2% |
| Oregon | $644 | $158 | 33% |
| Pennsylvania | $279 | -$207 | -43% |
| Rhode Island | $511 | $25 | 5% |
| South Carolina | $448 | -$38 | -8% |
| South Dakota | $216 | -$270 | -56% |
| Tennessee | $507 | $21 | 4% |
| Texas | $564 | $78 | 16% |
| Utah | $658 | $172 | 35% |
| Vermont | $460 | -$26 | -5% |
| Virginia | $549 | $63 | 13% |
| Washington | $516 | $30 | 6% |
| Washington, D.C. | $661 | $175 | 36% |
| West Virginia | $442 | -$44 | -9% |
| Wisconsin | $398 | -$88 | -18% |
| Wyoming | $270 | -$216 | -45% |
Methodology
Insurance.com commissioned non-owner car insurance rates in all 50 states and Washington, D.C. through our data partner, Quadrant Information Services. Rates are based on state minimum coverage for a 40-year-old male driver with a clean record and good credit.
Learn more about our data and methodology.
FAQ: Cheap non-owner car insurance
Is non-owner car insurance cheaper than standard car insurance?
Yes. The average cost of a non-owner policy is $486 a year, $252 less than the national average cost of a standard state minimum policy at $738 a year. Non-owner car insurance is cheaper because policyholders drive less frequently, reducing the risk of an accident, and the coverage is secondary.
What is the difference between non-owner SR-22 and SR-22 insurance?
The difference between a non-owner and a standard SR-22 is that a non-owner policy is for drivers who do not own a car. Non-owner SR-22 insurance refers to a non-owner policy where the insurance company has filed an SR-22 financial responsibility form, while SR-22 insurance refers to a standard policy for which the form has been filed. An SR-22 is not a type of insurance, but a form that must be filed when required by the DMV or a court order, usually due to a major violation or driving without insurance.
Can you get discounts on non-owner car insurance?
Yes. Discounts that can be applied to a non-owner car insurance policy include good/safe driver, bundling/multi-policy, automatic payments, paperless billing and more. Available discounts vary by carrier and state.
Can you get non-owner car insurance if you own a car?
No. If you own a car, you must purchase a policy for that car that has at least the state minimum coverage limits. Standard car insurance follows the car, and state laws require all registered vehicles to have insurance, except in New Hampshire. Non-owner car insurance doesn't meet the requirements for registering a car. It works only as secondary insurance for a driver who is not the owner of the vehicle.
Helpful auto insurance tools and calculators
