Best Cheap Non-Owner Car Insurance 2024

Non-owner car insurance provides financial protection for those that drive frequently but do not own a vehicle — drivers who often rent or borrow a vehicle. The best cheap non-owner policy is from GEICO at $463 per year, $39 per month.

Updated: May 20, 2024

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Most major insurers offer non-owner liability insurance, which is typically cheaper than regular car insurance. The best and cheapest non-owner car insurance for most drivers is from GEICO at $463 per year or $39 per month. If you need to file an SR-22 or FR-44 certificate of financial responsibility with your non-owner policy, the cheapest option is State Farm, at an average cost of $601 per year or $50 per month.

Non-owner car insurance provides liability coverage for property damage or bodily injury to others if you are at fault in a car accident. It does not offer collision, comprehensive or other coverages included in a full coverage policy. Non-owner car insurance is suitable for individuals who frequently drive but don’t own a vehicle, including those who often use rental cars.

Non-Owner Car InsuranceBest & Cheapest

2024

Best and Cheapest Non-Owner Car Insurance

Best Non-Owner Car Insurance - GEICO

Cheapest Non-Owner Car Insurance - GEICO

Cheapest Non-Owner Car Insurance With an SR-22 - State Farm

What Is Non-Owner Car Insurance?

FAQ

Who Needs Non-Owner Car Insurance?

Those who rent cars often: If you frequently rent cars, non-owner car insurance can offer more affordable coverage than continually purchasing car insurance from the car rental company. However, rental companies may require you to purchase additional coverage such as collision and comprehensive.

Those who borrow cars from others often: If you routinely borrow your friend or neighbor’s car, this insurance can provide liability coverage if you are ever at fault in an accident.

Those who need to reinstate their license after a suspension: Non-owner car insurance offers an affordable option to get the required coverage you need to have your driver’s license reinstated.

To find the best and cheapest non-owner car insurance companies and rates, MoneyGeek collected quotes from Quadrant Information Services and data from third-party sources such as AM Best, JD Power, NAIC, and the Crash Network Report. Using this data, we created a weighted ranking model that determined a score out of 100 to see how insurers stacked up in terms of affordability, customer and claim satisfaction as well as financial strength.

10,736Quotes Analyzed

319Companies Compared

204Zip Codes

Best Non-Owner Car Insurance

MoneyGeek Top Pick

GEICO

GEICO is an excellent option for non-owner car insurance, delivering exceptional value through its affordable policies. Renowned for its financial robustness and outstanding customer service, GEICO ensures a seamless experience for those who occasionally drive but do not own a vehicle. The company's efficient claims handling makes it a great choice for liability protection for those operating rented or borrowed cars. Moreover, GEICO's advanced online resources and potential discounts streamline the insurance process, solidifying its status as the leading provider in this specialized market.

The best non-owner car insurance offers great customer service, claim satisfaction and financial stability, all at an affordable rate. The best non-owner car insurance companies for most drivers are:

GEICO: $463 annually, $39 monthly
Travelers $511 annually, $43 monthly

As you comparison shop for the best non-owner policy, you need to consider how much insurance you need, as raising or lowering your limits will impact the cost of your policy.


GEICO	86	$463	$39
Travelers	86	$511	$43
State Farm	85	$525	$44
Progressive	81	$638	$53
Nationwide	79	$698	$58
Allstate	78	$752	$63
Farmers	77	$801	$67

To determine the best non-owner car insurance, MoneyGeek gathered data from J.D. Power, AM Best, the National Association of Insurance Commissioners (NAIC) and Quadrant Information Services and created a weighted ranking scoring system. Learn more about our study and weighted ranking system in our methodology.

Best Non-Owner Car Insurance by State

The best non-owner insurance at a national level may not be the best in your state. Some insurance providers may only offer certain services to select states or locations, and costs can vary widely across states.

Review the table below to find the best non-owner car insurance company for a state minimum liability-only policy. Click on your state to learn more about the best non-owner insurance options for your location.


Alabama	USAA	85	$259	$22
Alaska	USAA	81	$249	$21
Arizona	Auto-Owners Insurance Co	82	$342	$28
Arkansas	USAA	85	$211	$18
California	USAA	84	$326	$27
Colorado	USAA	85	$289	$24
Connecticut	USAA	84	$393	$33
Delaware	USAA	85	$385	$32
District of Columbia	USAA	83	$314	$26
Florida	GEICO	73	$493	$41
Georgia	Auto-Owners Insurance Co	88	$266	$22
Hawaii	USAA	81	$213	$18
Idaho	USAA	80	$162	$14
Illinois	Auto-Owners Insurance Co	78	$245	$20
Indiana	USAA	85	$162	$13
Iowa	USAA	85	$171	$14
Kansas	USAA	85	$173	$14
Kentucky	USAA	83	$357	$30
Louisiana	USAA	85	$576	$48
Maine	USAA	85	$189	$16
Maryland	USAA	85	$330	$28
Massachusetts	USAA	79	$443	$37
Michigan	USAA	84	$329	$27
Minnesota	Auto-Owners Insurance Co	78	$228	$19
Mississippi	USAA	85	$246	$21
Missouri	USAA	85	$157	$13
Montana	USAA	85	$131	$11
Nebraska	USAA	81	$226	$19
Nevada	USAA	85	$451	$38
New Hampshire	USAA	85	$167	$14
New Jersey	Travelers	77	$706	$59
New Mexico	USAA	78	$346	$29
New York	USAA	78	$695	$58
North Carolina	Nationwide	79	$261	$22
North Dakota	USAA	85	$112	$9
Ohio	USAA	85	$168	$14
Oklahoma	USAA	85	$256	$21
Oregon	USAA	85	$398	$33
Pennsylvania	Travelers	83	$276	$23
Rhode Island	USAA	85	$292	$24
South Carolina	Auto-Owners Insurance Co	88	$319	$27
South Dakota	USAA	85	$124	$10
Tennessee	USAA	83	$199	$17
Texas	USAA	85	$341	$28
Utah	USAA	85	$278	$23
Vermont	USAA	85	$122	$10
Virginia	USAA	85	$253	$21
Washington	USAA	85	$279	$23
West Virginia	USAA	85	$177	$15
Wisconsin	USAA	85	$163	$14
Wyoming	USAA	85	$112	$9

Cheapest Non-Owner Car Insurance

Comparison shopping for cheap non-owner car insurance can save you over $300 on your annual premiums on average. The cheapest non-owner car insurance options for state minimum liability-only coverage are:

GEICO at $463 per year, $39 per month
Travelers at $511 per year, $43 per month

These quotes represent national averages. We recommend requesting quotes from at least two companies to compare, as your quote may vary due to your driving history and location.


GEICO	$463	$39
Travelers	$511	$43
State Farm	$525	$44
Progressive	$638	$53
Nationwide	$698	$58
Allstate	$752	$63
Farmers	$801	$67

Cheap Non-Owner Car Insurance by State

Car insurance offerings and rates vary by state, so while GEICO and Travelers might be the cheapest at a national level, the cheapest non-owner car insurance where you live may vary.

Use the table below to see the cheapest non-owner car insurance provider for a state minimum liability-only in your state. Click your state to explore more non-owner car insurance policies, providers and options for where you live.


Alabama	USAA	$259	$22
Alaska	USAA	$249	$21
Arizona	Auto-Owners Insurance Co	$342	$28
Arkansas	USAA	$211	$18
California	USAA	$326	$27
Colorado	USAA	$289	$24
Connecticut	Kemper	$377	$31
Delaware	USAA	$385	$32
District of Columbia	GEICO	$267	$22
Florida	GEICO	$493	$41
Georgia	Auto-Owners Insurance Co	$266	$22
Hawaii	USAA	$213	$18
Idaho	Auto-Owners Insurance Co	$126	$11
Illinois	Auto-Owners Insurance Co	$245	$20
Indiana	Auto-Owners Insurance Co	$159	$13
Iowa	USAA	$171	$14
Kansas	USAA	$173	$14
Kentucky	Auto-Owners Insurance Co	$287	$24
Louisiana	USAA	$576	$48
Maine	USAA	$189	$16
Maryland	USAA	$330	$28
Massachusetts	State Farm	$308	$26
Michigan	Travelers	$177	$15
Minnesota	Auto-Owners Insurance Co	$228	$19
Mississippi	USAA	$246	$21
Missouri	USAA	$157	$13
Montana	USAA	$131	$11
Nebraska	Auto-Owners Insurance Co	$174	$15
Nevada	USAA	$451	$38
New Hampshire	USAA	$167	$14
New Jersey	GEICO	$438	$36
New Mexico	State Farm	$329	$27
New York	Kemper	$442	$37
North Carolina	Nationwide	$261	$22
North Dakota	USAA	$112	$9
Ohio	USAA	$168	$14
Oklahoma	USAA	$256	$21
Oregon	USAA	$398	$33
Pennsylvania	Travelers	$276	$23
Rhode Island	USAA	$292	$24
South Carolina	Auto-Owners Insurance Co	$319	$27
South Dakota	USAA	$124	$10
Tennessee	Auto-Owners Insurance Co	$171	$14
Texas	USAA	$341	$28
Utah	USAA	$278	$23
Vermont	USAA	$122	$10
Virginia	Auto-Owners Insurance Co	$250	$21
Washington	USAA	$279	$23
West Virginia	USAA	$177	$15
Wisconsin	USAA	$163	$14
Wyoming	USAA	$112	$9

Cheapest Non-Owner Insurance With an SR-22

The cheapest non-owner car insurance companies for most drivers with violations are:

State Farm at $601 per year, $50 per month
Travelers at $674 per year, $56 per month

Overall, the most affordable company for non-owner car insurance for those with a serious at-fault accident on their record is USAA at roughly $439 per year. However, USAA only offers insurance to active and retired military members and their families.

Drivers who have committed a serious driving violation, such as a serious accident or DUI, may need proof of insurance or an FR-44 or SR-22 to get their license reinstated. If you no longer own a car, a non-owner SR-22 car insurance policy or FR-44 policy could provide the coverage you need. Drivers who need to file an SR-22 or FR-44 for a non-owner policy can save over $700 annually, on average, by comparison shopping to find the cheapest rate.


State Farm	$601	$50
Travelers	$674	$56
GEICO	$717	$60
Nationwide	$871	$73
Allstate	$969	$81
Progressive	$976	$81
Farmers	$1,217	$101

What Is Non-Owner Car Insurance?

Non-owner car insurance, also called non-owner liability insurance, covers property damage and bodily injury to others if you are found liable for a car accident when driving a car that is not your own. It does not cover damage to the car you are driving or your own injuries. You can also add coverage for medical payments, personal injury protection, uninsured or underinsured drivers and rental car liability.

Non-owner car insurance is a good choice if you often borrow someone else's car, frequently rent cars or need liability insurance to get your driver's license reinstated. These policies are typically less expensive than regular car insurance. The average cost of a state minimum liability-only policy for non-owner car insurance is $448 per year, compared to roughly $490 per year for a standard policy.

What It Covers: Standard vs. Non-Owner Car Insurance

Compared to standard auto insurance policies, non-owner car insurance typically offers just the state minimum car insurance requirements. Unlike standard policies where coverage is tied to a specific vehicle, non-owner car insurance follows the driver.

Coverage	Standard Car Insurance	Non-Owner Car Insurance
Liability insurance	Yes	Yes
Medical payments coverage	Yes	Yes
Personal injury protection	Yes	Yes
Uninsured/underinsured motorist coverage	Yes	Yes
Rental car liability coverage	Yes	Yes
Collision insurance	Yes	No
Comprehensive insurance	Yes	No

Cost of Non-Owner Insurance

The national average cost of non-owner car insurance for a state minimum liability-only policy and a clean driving record is $448 per year versus $490 for standard liability-only car insurance — a difference of $42.

If you have an accident on your record, a standard state minimum liability-only policy costs $717 on average. A non-owner policy for the same driver would cost $579 — a difference of $138 annually. You might be able to save even more by shopping around for non-owner insurance.

National Average Cost: Owner vs. Non-Owner Car Insurance


Accident $1000-$1999 Prop Dmg	$576	$741
Clean	$414	$488

How to Get Non-Owner Car Insurance

Unlike for standard car insurance, most car insurance companies won’t provide a non-owner insurance quote online. Therefore, to get a non-owner insurance quote, you will need to call and speak with an insurance agent:

USAA: 800-531-8722
GEICO: 800-207-7847
Travelers: 866-248-9970
State Farm: 800-782-8332
Farmers: 888-327-6335
Progressive: 888-671-4405
Nationwide: 877-669-6877
MetLife: 800-422-4272

Though finalizing your policy generally requires the same steps as standard auto insurance, you'll likely have more one-on-one interactions with insurance agents to ensure the policy fits your needs.

Who Should Get Non-Owner Car Insurance

Non-owner car insurance is a good fit for people who frequently rent or borrow cars, need a one-day car insurance policy or need to reinstate their licenses with proof of insurance, such as an SR-22 or FR-44. It offers state minimum car insurance requirements and is generally less expensive than standard auto insurance.

You regularly borrow or rent cars

For drivers who frequently rent cars, paying for rental car insurance from the rental car agency can add up quickly, costing far more than a non-owner car insurance policy over the course of several months or years. When applying for non-owner car insurance, ask the insurance agent if the policy you purchase will provide liability coverage if driving a rental car.

Non-owner car insurance also provides peace of mind when driving a friend or neighbor’s car — especially if you get into an accident where you are at fault. But remember that non-owner car insurance may not cover you if you live with the person whose car you borrow or if you borrow the same car frequently. In these cases, you may need to be added as an insured driver to the owner's policy.

You need low-cost proof of insurance

If you have a severe traffic violation on your driving record and you've had your driver's license suspended, you may need to submit proof of car insurance — an SR-22 form or FR-44 form — before the state will reinstate it. Because it's less expensive than regular car insurance, non-owner car insurance can be an affordable option to meet this requirement if you don't own a car.

Keep in mind that you cannot file an SR-22 or FR-44 yourself — your car insurance company must file it on your behalf. Since not all car insurance agencies cover drivers with an SR-22 or FR-44 on file, you'll want to confirm they offer this as part of your coverage before opting for their non-owner insurance policy.

Who Shouldn’t Get Non-Owner Car Insurance

If you rarely drive and don't own a car but occasionally borrow one, non-owner insurance isn't for you because the car owner's insurance usually covers accidents. If you frequently borrow a car from a relative or housemate, or drive a company car, it's often more appropriate to be added to their insurance policy or rely on your employer's insurance.

You don’t own a car and rarely drive

Non-owner car insurance is not a good option if you don’t own a car and rarely drive. If you borrow someone’s car and get into an accident, the car owner’s insurance typically will cover the damages resulting from the accident. However, it’s always a good idea to check with the car insurance company first.

You frequently borrow a relative or housemate’s car

If you don't own a car but regularly drive your roommate’s or family member’s car, non-owner car insurance might not be the right fit. Instead, you likely should have your name added onto their car insurance policy as an added driver, particularly if you live with the car owner.

Non-Owner Car Insurance FAQ

MoneyGeek answered your most pressing questions about specialized non-owner insurance to help you decide if it's right for you.

What company offers the cheapest non-owner car insurance?

For state minimum liability-only coverage, the most budget-friendly non-owner car insurance comes from GEICO at $463 annually or $39 monthly. Travelers is also a cost-effective choice at $511 per year or $43 per month.

What company offers the best non-owner car insurance?

Top-notch car insurance excels in customer service, claim satisfaction, diverse coverage choices and financial reliability, all without breaking the bank. For most drivers seeking non-owner car insurance, GEICO tops the list with an average annual premium of $463 or $39 monthly. Travelers also stands out, offering an annual rate of $511, which is $43 per month.

Can you get insurance if you don’t own a car?

Yes, you can get non-owner car insurance if you frequently rent or borrow cars or need to reinstate your license with proof of insurance like an SR-22 or FR-44.

Where can you buy non-owner auto insurance?

You'll usually need to speak directly with an insurance agent to get a quote. Companies like USAA, GEICO and Travelers offer non-owner policies. USAA coverage is restricted to members of the military community.

Is it better to get non-owner auto insurance or a policy from the rental company?

Non-owner insurance is often more cost-effective than rental company policies, especially if you rent cars frequently.

What does non-owner car insurance cover?

Non-owner insurance typically offers state minimum liability coverage for property damage and bodily injury to others. It does not offer common options like collision, comprehensive, accident forgiveness, roadside assistance or rental car reimbursement, meaning it doesn't cover damage to the car you're driving or your own injuries.

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About Mark Fitzpatrick

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.

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