Updated: January 28, 2025
Advertising & Editorial Disclosure
Non-owner car insurance provides coverage for drivers who don't own a car but frequently drive or rent vehicles.
Non-owner policies are typically more affordable than traditional auto insurance and can be customized to fit a driver's needs.
Comparing providers and understanding coverage options can help you find the best non-owner insurance at the lowest cost.
GEICO offers the best and cheapest non-owner car insurance for most drivers at $463 per year or $39 per month. If you need an SR-22 or FR-44 certificate of financial responsibility, State Farm is the most affordable option at an average cost of $601 per year or $50 per month.
Learn more about our study and ranking system in our methodology.
The best non-owner car insurance companies for most drivers are GEICO, at $463 annually or $39 monthly, and Travelers, at $511 annually or $43 monthly. Both offer great customer service, claim satisfaction, financial stability and affordable rates.
| 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 |
GEICO offers great value for non-owner car insurance with affordable policies, strong financial stability and excellent customer service. It provides efficient claims handling and liability protection for drivers of rented or borrowed cars. GEICO's online resources and discounts simplify the insurance process.
The national average cost of non-owner car insurance with minimum coverage and a clean driving record is $448 per year, compared to $490 for standard minimum coverage car insurance — a difference of $42.
If you have an accident on your record, a standard minimum coverage policy costs $717 on average. A non-owner policy for the same driver costs $579 — a difference of $138 annually. You can save even more by shopping around for non-owner insurance.
| Accident $1000-$1999 Prop Dmg | $576 | $741 |
| Clean | $414 | $488 |
USAA offers the best non-owner insurance in 41 states and Washington, D.C. However, it serves only active and retired military members and their families.
See the table below for rates from the best insurance providers offering minimum coverage by state:
| Alabama | USAA | 85 | $259 | $22 |
| Alaska | USAA | 81 | $249 | $21 |
| Arizona | Auto-Owners | 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 | 88 | $266 | $22 |
| Hawaii | USAA | 81 | $213 | $18 |
| Idaho | USAA | 80 | $162 | $14 |
| Illinois | Auto-Owners | 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 | 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 | 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 |
GEICO and Travelers offer the cheapest non-owner minimum coverage car insurance at $463 annually ($39 monthly) and $511 ($43 monthly), respectively. These are national averages.
Get quotes from at least two companies to compare, as your rate will vary based on 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 |
USAA offers the cheapest non-owner car insurance in 30 states, but eligibility is limited to retired service members and their families. For others, GEICO and Travelers are strong alternatives.
Check the table below to find your state’s cheapest provider for minimum coverage. Click your state to explore non-owner car insurance policies, providers and options.
| Alabama | USAA | $259 | $22 |
| Alaska | USAA | $249 | $21 |
| Arizona | Auto-Owners | $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 | $266 | $22 |
| Hawaii | USAA | $213 | $18 |
| Idaho | Auto-Owners | $126 | $11 |
| Illinois | Auto-Owners | $245 | $20 |
| Indiana | Auto-Owners | $159 | $13 |
| Iowa | USAA | $171 | $14 |
| Kansas | USAA | $173 | $14 |
| Kentucky | Auto-Owners | $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 | $228 | $19 |
| Mississippi | USAA | $246 | $21 |
| Missouri | USAA | $157 | $13 |
| Montana | USAA | $131 | $11 |
| Nebraska | Auto-Owners | $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 | $319 | $27 |
| South Dakota | USAA | $124 | $10 |
| Tennessee | Auto-Owners | $171 | $14 |
| Texas | USAA | $341 | $28 |
| Utah | USAA | $278 | $23 |
| Vermont | USAA | $122 | $10 |
| Virginia | Auto-Owners | $250 | $21 |
| Washington | USAA | $279 | $23 |
| West Virginia | USAA | $177 | $15 |
| Wisconsin | USAA | $163 | $14 |
| Wyoming | USAA | $112 | $9 |
State Farm and Travelers are the cheapest non-owner car insurance companies for most drivers with violations at $601 annually ($50 monthly) and $674 ($56 monthly), respectively.
USAA is the most affordable option for those with a serious at-fault accident on their record, at roughly $439. However, it provides insurance exclusively to active and retired military members and their families.
Review the table below to compare car insurance companies by their annual and monthly premiums.
| State Farm | $601 | $50 |
| Travelers | $674 | $56 |
| GEICO | $717 | $60 |
| Nationwide | $871 | $73 |
| Allstate | $969 | $81 |
| Progressive | $976 | $81 |
| Farmers | $1,217 | $101 |
If you need help choosing the best non-owner car insurance, review the sections below for tips. These will help you customize a plan that fits your budget and provides the coverage you need.
Non-owner car insurance, also called non-owner liability insurance, covers property damage and bodily injury to others if you're liable for an accident while driving a car you don't own. It doesn’t cover damage to the vehicle you're driving or your injuries, but you can add coverage for medical payments, personal injury protection, uninsured/underinsured motorists and rental car liability.
This type of insurance is ideal if you regularly borrow cars, rent vehicles or need minimum coverage to reinstate your license. It’s generally cheaper than standard car insurance, averaging $448 annually for minimum coverage, compared to $490 for a typical policy.
Unlike standard policies tied to specific vehicles, non-owner insurance provides coverage that follows the driver and typically meets only the state's minimum car insurance requirements.
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 |
Yes | Yes | |
Collision insurance | Yes | No |
Comprehensive insurance | Yes | No |
Non-owner car insurance suits those who often rent or borrow cars, require one-day coverage or need proof of insurance like an SR-22 or FR-44 to reinstate their license. It typically meets state minimum coverage requirements and is more affordable than standard auto insurance.
Non-owner car insurance can save frequent renters money compared to rental car insurance, which can become costly over time. Check with your insurer to confirm if your policy covers rental car liability.
It also offers peace of mind when borrowing a friend's car, but if you live with the owner or borrow the same car often, you may need to be added to their policy as a listed driver.
If your license is suspended due to a severe traffic violation, you may need an SR-22 or FR-44 form to reinstate it. Non-owner car insurance is often an affordable way to meet this requirement if you don’t own a car. Only your insurer can file these forms, and not all companies provide this service, so confirm availability before choosing a policy.
If you drive a vehicle from a car-sharing service, a non-owner insurance policy provides extra coverage beyond what services like Uber offer.
Consider non-owner insurance if you drive a company-provided car. It can supplement the company's insurance, offering extra protection for injuries and property damage in emergencies.
Insurers may penalize gaps in coverage when switching cars. A non-owner car insurance policy can be an affordable and simple way to maintain continuous coverage during transitions without owning a vehicle.
Non-owner insurance may not be necessary if you rarely drive and only occasionally borrow a vehicle. In these cases, the owner's insurance typically covers accidents. If you frequently borrow a car from a family member or drive a company car, it's often better to be added to their policy or rely on your employer's coverage.
Non-owner insurance isn't ideal if you don’t own a car and rarely drive. If you borrow someone else’s vehicle and have an accident, the owner’s insurance typically covers the damage. Check with the insurer to confirm coverage details.
If you don't own a car but frequently drive your roommate’s or family member’s car, non-owner insurance may not be the best option. It's usually better to have your name added to their car insurance policy as an additional driver, especially if you live with the car owner.
Unlike standard car insurance, most companies don’t offer online quotes for non-owner insurance. To get a quote, you’ll need to call and speak directly with an insurance agent.
Assess your driving habits to confirm whether non-owner insurance is right for you. This type of coverage is ideal if you frequently rent cars, borrow vehicles or need SR-22 for legal reasons.
Prepare your driver’s license, driving record details and any required documentation for SR-22 or other legal filings to speed up the application process.
Research multiple insurance companies that offer non-owner coverage. Compare rates, coverage limits and additional benefits to find the most affordable and comprehensive policy.
Call insurers and request quotes from the providers you’ve shortlisted. Work with their representatives to customize your policy based on coverage limits, state requirements and any specific needs, such as liability limits for rentals.
Finalize your choice, purchase the policy and ensure you receive a copy. Keep this document readily available, especially if you must present proof of insurance for legal or rental purposes.
Although finalizing your policy generally involves 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.
Non-owner car insurance is cost effective for those who don't own a vehicle but frequently rent or borrow cars and need minimum coverage. By comparing the best and cheapest providers like GEICO, Travelers, State Farm and USAA, you can find options that balance affordability and protection. This coverage offers peace of mind and financial security at a lower cost, especially for those who need proof of insurance without owning a car.
We've answered the most common questions about non-owner car insurance to help you decide if it fits your needs.
GEICO offers the most budget-friendly non-owner car insurance at $463 annually or $39 monthly for minimum coverage. Travelers is also affordable at $511 per year or $43 per month.
GEICO and Travelers have the best non-owner car insurance, with a MoneyGeek score of 86 out of 100.
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.
Non-owner insurance typically offers minimum coverage for property damage and bodily injury to others. It doesn’t include collision, comprehensive, accident forgiveness, roadside assistance or rental car reimbursement options. This means it won’t cover damage to the car you’re driving or your own injuries.
Non-owner insurance is often more cost-effective than rental company policies, especially if you rent cars frequently.
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.
Data Depth and Overview
MoneyGeek analyzed 12,128 quotes from 319 companies across 204 ZIP codes to determine the cheapest car insurance premiums for drivers of various profiles and needs.
Driver Profiles
MoneyGeek created an average driver profile to collect rates from insurers to find the cheapest car insurance for most drivers. This profile includes the following characteristics:
We modified the average driver profile by age, geographic location and driving history to gather rates for specific driver characteristics. To determine rates for non-owners who need to file an SR-22, we added an accident with $1,000 to $1,999 in property damage to our sample driver's record.
Defining Minimum Coverage
Each state sets minimum coverage requirements. When MoneyGeek provides a national recommendation, we calculate an average based on the minimum requirements from all states. For state-specific recommendations, we use only the required liability limits for that state.
How We Ranked Best Providers for Affordability
MoneyGeek used sources such as AM Best, J.D. Power, the CRASH Network report card, and quote data from Quadrant Information Services and state insurance departments to determine the best affordable car insurance providers.
To score each insurer, MoneyGeek created a ranking system with the following weights:
These factors are combined to generate an overall score out of 100.
Learn more about MoneyGeek's auto insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
