GEICO offers the most affordable non-owner car insurance for Alabama drivers with clean records at just $26 a month, well below the state average. The table below compares other cost-effective options.
Cheapest Non-Owner Car Insurance in Alabama
Updated: January 23, 2025
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Best Cheap Non-Owner Car Insurance in Alabama: Key Takeaways
Auto-Owners offers the cheapest SR-22 non-owner car insurance in Alabama, with an average monthly cost of $37.
Non-owner car insurance covers you when driving a vehicle you don't own, as long as you meet the state's minimum coverage requirements.
Non-owner insurance is ideal for drivers who often borrow cars, rent vehicles or need to reinstate their license without a traditional policy.
Cheapest Non-Owner Car Insurance in Alabama
| GEICO | $313 | $26 |
| Auto-Owners | $346 | $29 |
| Travelers | $441 | $37 |
| Farmers | $591 | $49 |
| Progressive | $604 | $50 |
| Nationwide | $661 | $55 |
| State Farm | $1,046 | $87 |
Cheapest Non-Owner SR-22 Car Insurance in Alabama
Auto-Owners provides Alabama's most affordable SR-22 non-owner policy at just $37 monthly, lower than the state average of $63 for minimum coverage. Use the table below to compare other SR-22 insurance providers and find the right fit.
| Auto-Owners | $443 | $37 |
| GEICO | $445 | $37 |
| Travelers | $554 | $46 |
| Nationwide | $835 | $70 |
| Farmers | $855 | $71 |
| Progressive | $1,017 | $85 |
| State Farm | $1,118 | $93 |
How Much Is Non-Owner Car Insurance in Alabama?
Alabama's average non-owner car insurance cost is $44 a month, slightly above the national average of $43. For SR-22 insurance, Alabama drivers typically pay $63 monthly, compared to the $48 national average. Your premium may vary based on your driving history and other factors.
Non-Owner Car Insurance Cost Comparison: National vs. State
National Average Cost
Monthly Premium
$43
Alabama Average Cost
Monthly Premium
$44Non-owner car insurance cost in Alabama is average:$1 more
This is 2% more expensive.
Alabama Non-Owner Car Insurance Buyer Guide
Our guide can help drivers decide if a non-owner insurance policy is the best option. It breaks down the basics of non-owner insurance in Alabama, the differences between minimum coverage, its typical costs and who benefits most.
What Is Non-Owner Car Insurance?
Non-owner car insurance is for drivers who don’t own a vehicle but still drive. It covers costs if you're at fault in an accident, protecting you from paying out of pocket for damage or injuries. The table below compares non-owner and standard policies to help you decide.
Policy Coverage | Standard Policy | Non-Owner |
|---|---|---|
✔️ | ✔️ | |
Medical payments | ✔️ | ✔️ |
Personal injury protection | ✔️ | ✔️ |
Uninsured/underinsured motorist | ✔️ | ✔️ |
✔️ | ✔️ | |
Collision | ✔️ | |
Comprehensive | ✔️ |
Does Alabama Allow Non-Owner Car Insurance?
Alabama permits non-owner car insurance, a plan for those who drive but don't own a car. If you need to file an SR-22, you can still get this affordable coverage to meet the state's minimum requirements.
ALABAMA MINIMUM INSURANCE REQUIREMENTS
Alabama's minimum coverage requirements for non-owner car insurance include:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $25,000 in property damage liability per accident
These limits meet state requirements but may not offer full protection. Consider how much coverage you need before choosing a policy to ensure adequate protection.
Should You Get Non-Owner Car Insurance in Alabama?
Non-owner car insurance offers affordable coverage for Alabama drivers without a vehicle, protecting against property damage and injuries when using borrowed or rented cars.
AVOID ONE-DAY CAR INSURANCE
Be cautious of offers for "one-day insurance" in Alabama, as this product doesn't exist and may signal fraud. Opting for insurance through car rental companies is safer if you require temporary coverage for activities like moving or road trips.
Who Should Consider Non-Owner Car Insurance?
The following types of drivers should consider a non-owner car insurance policy:
Car borrowers
Car borrowers may need non-owner car insurance to ensure they're covered when driving a vehicle they don't own. This policy covers liability for damage or injuries caused while operating the borrowed car.
Occasional renters
Non-owner car insurance benefits occasional renters by providing liability protection at a lower cost than rental agency insurance. It's a more affordable solution for frequent renters.
Drivers between cars
Drivers without a vehicle can use a non-owner policy to maintain continuous coverage, avoiding gaps that could result in higher premiums later.
License reinstatement-seekers
Those seeking to reinstate their driver's license after a suspension may be required to prove financial responsibility. Non-owner car insurance fulfills this requirement without requiring the driver to own a vehicle.
WHAT IS SR-22 INSURANCE?
An SR-22 is a form that your insurance company sends to the DMV to prove you have minimum coverage. This document, also known as a Certificate of Financial Responsibility (CFR), is often needed after certain driving incidents. If you have a DUI or were caught driving without insurance, you may need an SR-22 to drive again legally.
Cheap Non-Owner Car Insurance in Alabama: Bottom Line
Alabama provides non-owner car insurance for drivers, including those needing SR-22 forms. GEICO offers the most affordable option, followed by Auto-Owners and Travelers. To ensure getting the best possible deal, compare quotes from multiple providers.
Non-Owner Car Insurance in Alabama: FAQ
Find answers to common questions about non-owner car insurance in Alabama here.
Which company offers the cheapest non-owner car insurance in Alabama?
GEICO provides the most affordable non-owner car insurance in Alabama, with a monthly premium of $26. For SR-22, Auto-Owners offers the cheapest rates.
How much does non-owners car insurance cost in Alabama?
In Alabama, non-owner car insurance costs an average of $532 annually or about $44 monthly for drivers with a clean record. For those requiring SR-22 certification due to a serious violation, the average yearly cost is $752 or roughly $63 monthly.
Alabama Non-Owner Car Insurance Ratings: Our Review Methodology
MoneyGeek compiled Alabama auto insurance rates by collecting relevant data from the Alabama Department of Insurance and Quadrant Information Services. We examined 240 quotes from five providers to identify the state's best and most affordable companies.
Coverage Levels
We compared non-owner car insurance rates from companies in Alabama using minimum coverage policies. The state-required minimum coverage includes:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $25,000 in property damage liability per accident
Drivers and Cars in Alabama
To find the best and most affordable auto insurance companies for non-owner car insurance in Alabama, we used a sample driver profile with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- Good credit score
- 12,000 miles driven annually
Learn more about MoneyGeek's car insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's resident Personal Finance Expert. 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's also a 5-time Jeopardy champion!
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.