Kemper is Connecticut's cheapest non-owner car insurance provider, with a monthly premium of just $31, lower than the state average. Explore the table below for other affordable options.
Cheapest Non-Owner Car Insurance in Connecticut
Updated: January 30, 2025
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Best Cheap Non-Owner Car Insurance in Connecticut: Key Takeaways
State Farm offers the cheapest SR-22 non-owner car insurance in Connecticut for drivers with incidents, with an average monthly cost of $42.
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.
Consider non-owner insurance if you often borrow or rent cars, or need to reinstate your license without a traditional policy.
Cheapest Non-Owner Car Insurance in Connecticut
| Kemper | $377 | $31 |
| GEICO | $416 | $35 |
| State Farm | $467 | $39 |
| Nationwide | $792 | $66 |
| Progressive | $832 | $69 |
Cheapest Non-Owner SR-22 Car Insurance in Connecticut
State Farm provides Connecticut's cheapest SR-22 non-owner policy at $42 monthly, below the average monthly rate of $64 for minimum coverage. The table below compares other SR-22 providers.
| State Farm | $504 | $42 |
| GEICO | $553 | $46 |
| Kemper | $611 | $51 |
| Nationwide | $993 | $83 |
| Progressive | $1,201 | $100 |
How Much Is Non-Owner Car Insurance in Connecticut?
In Connecticut, non-owner car insurance costs an average of $46 monthly, higher than the national average of $43. For SR-22, local drivers pay around $64 monthly, above the national average of $48. Your premium may vary based on your driving history.
Non-Owner Car Insurance Cost Comparison: National vs. State
National Average Cost
Monthly Premium
$43
Connecticut Average Cost
Monthly Premium
$46On average, non-owner car insurance in Connecticut is:$3 more
This is 7% more expensive.
Connecticut Non-Owner Car Insurance: Buyer's Guide
We created this guide to help drivers in Connecticut decide if a non-owner policy is right for them. It explains what non-owner insurance is, how much it costs and who benefits most.
What Is Non-Owner Car Insurance?
If you drive often but don't own a car, non-owner car insurance is for you. It covers costs for accidents you're at fault for, protecting you from large bills. It also meets state minimum coverage requirements, keeping you legal on the road. See our comparison of non-owner and standard policies below.
Policy Coverage | Standard Policy | Non-Owner |
|---|---|---|
✔️ | ✔️ | |
Medical payments | ✔️ | ✔️ |
Personal injury protection | ✔️ | ✔️ |
Uninsured/underinsured motorist | ✔️ | ✔️ |
✔️ | ✔️ | |
Collision | ✔️ | |
Comprehensive | ✔️ |
Does Connecticut Allow Non-Owner Car Insurance?
Non-owner car insurance is available in Connecticut for those who need coverage without owning a vehicle. If you must file an SR-22, you can purchase a non-owner policy to meet your state's minimum coverage requirements.
CONNECTICUT MINIMUM INSURANCE REQUIREMENTS
Connecticut's minimum coverage requirements for non-owner car insurance are the same as those for car owners. The minimum limits are:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $25,000 in property damage liability per accident
- $25,000 uninsured motorist bodily injury per person
- $50,000 uninsured motorist bodily injury per accident
These state minimums may not provide full financial protection in all situations. Assess how much coverage you need beyond the minimum for adequate protection.
Should You Get Non-Owner Car Insurance in Connecticut?
Non-owner insurance is worth considering if you drive but don't own a vehicle. It's ideal for those who rent cars often or use car-sharing services. This insurance covers you, not the car, providing peace of mind for occasional drivers. It meets the state minimum coverage requirements, making it an affordable choice.
AVOID ONE-DAY CAR INSURANCE
Be cautious of providers in Connecticut offering "one-day insurance," as this isn't legitimate and may signal fraud. For safer options, consider purchasing temporary coverage through car rental companies if you need short-term insurance, such as for a move or road trip.
Who Should Consider Non-Owner Car Insurance?
The following types of drivers should consider a non-owner car insurance policy:
Car borrowers
Non-owner car insurance is essential for vehicle borrowers. It provides minimum coverage when driving someone else's vehicle, especially if the car owner's policy doesn't cover you.
Occasional renters
With non-owner insurance, occasional renters avoid the high costs of rental company insurance. It provides minimum coverage without the extra expense.
Drivers between cars
For drivers between car ownership, keeping non-owner insurance helps prevent coverage lapses, which can lead to higher premiums later.
License reinstatement-seekers
Drivers seeking license reinstatement may need to show proof of insurance. Non-owner car insurance can meet this requirement at a more affordable rate than traditional policies.
WHAT IS SR-22 INSURANCE?
An SR-22 is a form your insurance company files with the DMV to prove you have the state-required minimum coverage. Also called a Certificate of Financial Responsibility, an SR-22 is often required for drivers with a DUI or those caught driving without insurance. If you've faced these issues, you'll need an SR-22 to drive legally.
Cheap Non-Owner Car Insurance in Connecticut: Bottom Line
Connecticut offers non-owner car insurance for drivers needing SR-22 forms. Kemper is the most affordable option, with GEICO and State Farm as cost-effective alternatives. To get the best deal, compare quotes from multiple providers.
Non-Owner Car Insurance in Connecticut: FAQ
Get answers to frequently asked questions about non-owner car insurance in Connecticut below.
Which company offers the cheapest non-owner car insurance in Connecticut?
Kemper offers Connecticut's most affordable non-owner car insurance at $31 per month. State Farm provides the lowest monthly rate of $42 for SR-22 insurance.
How much does non-owners car insurance cost in Connecticut?
In Connecticut, the annual cost of non-owner car insurance is about $546 or $46 monthly. The annual rate for drivers requiring an SR-22 is around $772 or $64 monthly.
Connecticut Non-Owner Car Insurance Ratings: Our Review Methodology
MoneyGeek compiled Connecticut auto insurance rates by collecting data from the Connecticut Insurance Department and Quadrant Information Services. We examined 240 car insurance quotes from five providers to identify the state's best and most affordable options.
Coverage Levels
We compared non-owner car insurance rates from companies in Connecticut using minimum coverage policies. The state-required minimum coverage includes:
- $25,000 for bodily injury liability per person
- $50,000 for bodily injury liability per accident
- $25,000 for property damage liability per accident
- $25,000 uninsured motorist bodily injury per person
- $50,000 uninsured motorist bodily injury per accident
Drivers and Cars in Connecticut
To find the best and most affordable companies for non-owner car insurance in Connecticut, we used a sample driver profile with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- Good credit history
- 12,000 miles driven annually
Learn more about MoneyGeek's car 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.