Kemper offers the cheapest non-owner car insurance for Maryland drivers with clean records at $36 monthly, below the state average of $45. The table below compares other affordable options.
Cheapest Non-Owner Car Insurance in Maryland
Updated: January 30, 2025
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Best Cheap Non-Owner Car Insurance in Maryland: Key Takeaways
GEICO is the cheapest option for non-owner SR-22 car insurance in Maryland, with an average monthly cost of $63.
This type of insurance covers you while driving a non-owned vehicle as long as you meet the state's minimum coverage requirements.
Non-owner insurance is recommended for drivers who frequently borrow or rent cars or need to reinstate their license without a traditional policy.
Cheapest Non-Owner Car Insurance in Maryland
| Kemper | $436 | $36 |
| GEICO | $488 | $41 |
| Progressive | $566 | $47 |
| Travelers | $622 | $52 |
| Nationwide | $829 | $69 |
Cheapest Non-Owner SR-22 Car Insurance in Maryland
GEICO provides Maryland's most affordable SR-22 non-owner policy at $63 monthly, less than the state's average of $78 for minimum coverage. The table below compares other SR-22 providers.
| GEICO | $760 | $63 |
| Progressive | $776 | $65 |
| Travelers | $856 | $71 |
| Kemper | $978 | $81 |
| Nationwide | $1,324 | $110 |
How Much Is Non-Owner Car Insurance in Maryland?
In Maryland, the average monthly non-owner car insurance cost is $45, slightly above the national average of $43. SR-22 coverage in the state averages $78 per month, compared to the national average of $48. Your premium will vary based on your driving history.
Non-Owner Car Insurance Cost Comparison: National vs. State
National Average Cost
Monthly Premium
$43
Maryland Average Cost
Monthly Premium
$45On average, non-owner car insurance in Maryland is:$2 more
This is 5% more expensive.
Maryland Non-Owner Car Insurance: Buyer's Guide
Our guide helps drivers determine if non-owner insurance is the right choice. It explains this coverage, compares it to regular policies and highlights who benefits most.
What Is Non-Owner Car Insurance?
If you often drive but don't own a car, non-owner car insurance is a practical choice. It helps you stay compliant with the law and covers costs if you cause an accident. It's typically more affordable than standard policies. Below, see how it compares to regular coverage.
Policy Coverage | Standard Policy | Non-Owner |
|---|---|---|
✔️ | ✔️ | |
Medical payments | ✔️ | ✔️ |
Personal injury protection | ✔️ | ✔️ |
Uninsured/underinsured motorist | ✔️ | ✔️ |
✔️ | ✔️ | |
Collision | ✔️ | |
Comprehensive | ✔️ |
Does Maryland Allow Non-Owner Car Insurance?
Maryland permits the purchase of non-owner car insurance for drivers who don't own a vehicle but need coverage. If you're required to file an SR-22, you can get this insurance to meet the state's minimum coverage requirements.
MARYLAND MINIMUM INSURANCE REQUIREMENTS
Maryland's minimum coverage requirements apply to non-owner car insurance as well. The limits are:
- $30,000 in bodily injury liability per person
- $60,000 in bodily injury liability per accident
- $15,000 in property damage liability per accident
- $30,000 uninsured motorist bodily injury per person
- $60,000 uninsured motorist bodily injury per accident
- $15,000 uninsured/underinsured property damage coverage
While minimum coverage might be more affordable, it may not provide full financial protection. Consider how much coverage you need before purchasing a policy.
Should You Get Non-Owner Car Insurance in Maryland?
Non-owner car insurance is a good option for those who drive but don’t own a car, such as when using a friend’s vehicle or a rental. It’s more affordable than standard policies, making it ideal for occasional drivers. Evaluate your driving habits and vehicle access to determine if this coverage fits your needs.
AVOID ONE-DAY CAR INSURANCE
Be cautious of "one-day insurance" offers in Maryland, as they may signal fraud and aren't legitimate products. For temporary coverage, consider buying insurance from a car rental company for situations 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
Non-owner insurance covers drivers who occasionally borrow cars from friends or family, ensuring protection against liability claims if they're involved in an accident.
Occasional renters
Non-owner insurance offers coverage without the higher costs of rental company insurance for each rental period.
Drivers between cars
Drivers without a car but maintaining a driver's license need non-owner insurance to cover potential liability if they drive someone else's vehicle.
License reinstatement-seekers
To reinstate a suspended license, you may need proof of insurance. A non-owner policy offers an affordable way to meet this requirement.
WHAT IS SR-22 INSURANCE?
An SR-22 is a form your insurer files with the DMV to confirm you meet state minimum coverage requirements. It is often required after incidents like a DUI or driving without insurance and allows you to regain legal driving privileges.
Cheap Non-Owner Car Insurance in Maryland: Bottom Line
Maryland provides non-owner car insurance for those needing SR-22 forms. Kemper offers the most affordable plan, followed by GEICO and Progressive. To find the best deal, compare quotes from multiple providers.
Non-Owner Car Insurance in Maryland: FAQ
Get answers to frequently asked questions about non-owner car insurance in Maryland below.
Which company offers the cheapest non-owner car insurance in Maryland?
Kemper offers the most affordable non-owner car insurance in Maryland at a monthly cost of $36. GEICO has the cheapest SR-22 rate at $63.
How much does non-owners car insurance cost in Maryland?
Non-owner car insurance costs about $545 annually or $45 monthly in Maryland. For drivers needing an SR-22, costs increase to $938 annually or $78 monthly.
Maryland Non-Owner Car Insurance Ratings: Our Review Methodology
MoneyGeek compiled Maryland auto insurance rates by collecting data from the Maryland Insurance Administration 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 Maryland using minimum coverage policies. The state-required minimum coverage includes:
- $30,000 in bodily injury liability per person
- $60,000 in bodily injury liability per accident
- $15,000 in property damage liability per accident
- $30,000 uninsured motorist bodily injury per person
- $60,000 uninsured motorist bodily injury per accident
- $15,000 uninsured/underinsured property damage coverage
Drivers and Cars in Maryland
To find the best and most affordable companies for non-owner car insurance in Maryland, 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.