Cheapest and Best Non-Owner Car Insurance in Alabama (2024)

Non-owner car insurance is auto liability coverage in Alabama for those who don't own a car but still need protection while driving. It’s useful if you frequently borrow someone else's car or require continuous auto insurance coverage. Obtaining non-owner car insurance may also help drivers with violations like DUIs reinstate a suspended or revoked driver's license.

Based on MoneyGeek’s research, GEICO offers the cheapest non-owner car insurance in Alabama, while Auto-Owners is the state’s best provider, balancing affordability and quality service. It’s also the most affordable for non-owner car insurance in Alabama after a violation.

The following insurers offer the cheapest non-owner car insurance policies for Alabama drivers:

• Drivers with clean records: GEICO ($26 per month)
• Drivers with violations: Auto-Owners ($37 per month) and GEICO ($37 per month)

You can expect to pay more for car insurance as a non-owner if you have a driving offense on your record. The cheapest insurer for a driver with a violation costs $11 more per month than the most affordable insurer for someone with a clean driving history.

Alabama residents with clean driving histories can get the most affordable non-owner auto insurance from the following providers:

• GEICO: $26 per month
• Auto-Owners: $29 per month

At around $22 per month, USAA also offers cheap non-owner car insurance in Alabama. However, it’s only available for veterans, active military and their families. Non-owner car insurance policies cost an average of $44 per month in Alabama. For comparison, the national average is $43 per month.

The following insurers offer the cheapest non-owner car insurance in Alabama for drivers with violations:

• Auto-Owners: $37 per month
• GEICO: $37 per month

Military community members in Alabama can get the most affordable SR-22 insurance from USAA at roughly $33 per month.

You may be required to file an SR-22 if you have a driving offense like a DUI or an at-fault accident on your record, which can increase the cost of your insurance. The cheapest non-owner SR-22 insurance in Alabama costs $37 per month, $22 less than the national average.

Non-owner car insurance is liability-only insurance for people in Alabama who drive but don't own a car. It covers bodily injuries and property damage you may be liable for in an accident, but it doesn’t cover your injuries or damages to the vehicle you're driving as it lacks comprehensive and collision coverage.

If you frequently drive rental cars, borrow cars from friends or want to avoid a rate hike after a lapse in regular auto insurance coverage, non-owner car insurance may be a smart choice. The table below compares the coverage variations across non-owner and full coverage policies.

Non-owner car insurance in Alabama typically costs around $44 per month, slightly more than the national average cost of car insurance at $43 per month.

Location affects your insurance rates. However, variables such as your age, driving record, coverage limits and the type of vehicle you drive can have a greater impact on your premiums.

The following insurers provide the best non-owner car insurance policies in Alabama:

• Auto-Owners: MoneyGeek score 84 out of 100
• GEICO: MoneyGeek score 73 out of 100
• Travelers: MoneyGeek score 71 out of 100

MoneyGeek’s rankings considered affordability, customer service data from J.D. Power and financial stability ratings from AM Best. Our overviews of these top three companies can help you choose the best provider for your needs.

Non-owner car insurance is ideal for those who don't own a car but frequently drive rental cars, borrow vehicles or want to avoid long gaps in their insurance history. It may also be required if your driver’s license has been suspended or revoked.

Here are answers to some of your frequently asked questions about non-owner car insurance in Alabama.