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

Non-owner car insurance provides liability coverage for drivers who don't own a car but still need protection on the road. It's ideal for drivers who frequently borrow vehicles or need to maintain continuous auto insurance. These policies can also aid drivers with violations like DUIs in reinstating suspended or revoked licenses by demonstrating financial responsibility.

Progressive emerged as the most budget-friendly non-owner car insurance in California. It’s also the state’s overall best provider, striking the perfect balance between affordability and top-notch service. For California drivers seeking non-owner car insurance after a violation, Farmers is MoneyGeek’s top recommendation.

The two cheapest companies in California for non-owner car insurance are Progressive and Farmers.

• Drivers with clean records: Progressive ($37 per month)
• Drivers with violations: Farmers ($62 per month)

Our analysis revealed that drivers with a traffic offense on their records are charged an additional $25 per month on average compared to those with a spotless driving history.

Californians with perfect driving records can find the most budget-friendly non-owner auto insurance policies from Progressive and Kemper.

• Progressive: $37 per month
• Kemper: $37 per month

USAA’s non-owner policy is around $27 per month, which makes it the cheapest in the state. However, the company reserves this exclusive offer for veterans, active military and their community. California’s most affordable non-owner car insurance policies average $37 per month, just below the national average of $43 per month.

For California drivers with violations seeking budget-friendly non-owner car insurance, Farmers and Travelers are MoneyGeek’s top picks.

• Farmers: $62 per month
• Travelers: $66 per month

California’s military community members can secure the most affordable SR-22 insurance from USAA at a modest average monthly rate of $43.

If your driving record includes DUIs or at-fault accidents, you may need to file an SR-22, which can bump up your insurance costs. California’s average cheapest non-owner SR-22 insurance policy is $64 per month, slightly more expensive than the national average of $59.

Non-owner car insurance is a specialized policy for individuals without a vehicle, offering liability coverage for borrowed or rented cars. It covers property damage and bodily injury to others in case of an at-fault accident but excludes damage to the driven vehicle or personal injuries. Some insurers in California may provide additional coverage options tailored to individual needs.

Refer to the table below to compare the coverage offered between non-owner car insurance and a full coverage policy, highlighting their unique features.

The average cost of car insurance for non-owners in California is $41 monthly, lower than the national average of $43. However, your unique driver’s profile plays a crucial role too. Factors such as age and driving history can influence your premiums to a greater extent than where you live.

The top insurers offering exceptional non-owner car insurance policies in California are:

• Progressive: MoneyGeek score of 59 out of 100 ($37 per month)
• Travelers: MoneyGeek score of 58 out of 100 ($41 per month)
• GEICO: MoneyGeek score of 53 out of 100 ($41 per month)

MoneyGeek's comprehensive rankings consider affordability, J.D. Power's customer service data and AM Best's financial stability ratings. By exploring our reviews of these three leading companies, you'll be well-equipped to select the ideal provider to suit your needs.

Providers design non-owner car insurance policies for individuals who don't own a vehicle but still require coverage while driving. These policies provide liability protection in case of an accident, ensuring peace of mind for various drivers. The following drivers may find that a non-owner car insurance policy is ideal for their needs:

Navigating non-owner car insurance in California can be confusing. Here are some frequently asked questions and answers to help you better understand your coverage options.