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

Licensed drivers in Maryland who don’t own vehicles but require auto liability coverage may benefit from non-owner car insurance. It is particularly useful for those who frequently borrow or rent cars or need to maintain continuous coverage. Drivers with severe violations, such as a DUI, may need non-owner car insurance when reinstating a revoked license.

The most affordable non-owner auto insurance for drivers with clean records in Maryland comes from Kemper, but Travelers offers a good mix of affordability and customer satisfaction, making it the best non-owner auto insurance provider in the state. GEICO has the cheapest non-owner auto insurance for high-risk drivers that would require an SR-22 filing in other states, but Maryland does not require it. The company that works best for you depends on multiple factors.

The following companies provide the average cheapest non-owner car insurance in Maryland:

• Drivers with clean records: Kemper ($36 per month)
• Drivers with an at-fault accident: GEICO ($63 per month)

The cost of non-owner car insurance may increase if you have a violation on your motor vehicle record. In Maryland, it costs around $27 more per month for the most affordable non-owner insurance if you have an at-fault accident compared to a driver with a clean record.

The two companies that provide, on average, the most affordable non-owner car insurance for drivers with clean records in Maryland are:

• Kemper: $36 per month
• GEICO: $41 per month

USAA might be a great choice for military community members, charging an average of $28 per month.

The rates of the cheapest non-owner car insurance companies in Maryland average out to $39 per month, which is lower than the national average of $43 per month.

Maryland doesn’t require drivers to file an SR-22, but high-risk drivers still pay more, just like in states that have SR-22 insurance. The companies that provide the average cheapest non-owner car insurance for drivers with a violation are:

• GEICO: $63 per month
• Progressive: $65 per month

USAA might be a good option for members of the military community who need affordable non-owner coverage in Maryland that would require SR-22 insurance in other states. It charges an average of $47 per month in Maryland.

The average of the two cheapest companies’ rates in Maryland for high-risk drivers with non-owner insurance is $64 per month, which is $4 above the national average of $59.

Non-owner car insurance is meant for drivers in Maryland who do not own vehicles but still need protection while driving. It provides liability coverage, which means it helps cover the costs associated with bodily injuries to others or property damage if you are involved in an at-fault accident. You may consider this type of insurance if you frequently rent or borrow vehicles, or to avoid a premium increase due to a lapse in coverage. The corresponding table highlights the differences in coverage between full coverage and non-owner auto insurance.

The average cost of car insurance for non-owners in Maryland is $45 per month, which is almost at par with the national average of $43 per month.

Rating factors that affect auto insurance costs include your location, age and motor vehicle record. The coverage limits you seek also play an important role.

The three best non-owner car insurance companies in Maryland are:

• Travelers: MoneyGeek score of 66 out of 100 ($52 per month)
• GEICO: MoneyGeek score of 64 out of 100 ($41 per month)
• Progressive: MoneyGeek score of 60 out of 100 ($47 per month)

Our experts ranked the top auto insurance companies based on parameters such as affordability, customer satisfaction ratings from J.D. Power and AM Best’s financial stability ratings. Take a look at the overviews of these companies to determine which might work best for you.

You may consider getting non-owner car insurance in Maryland if you don’t own a vehicle but borrow or rent one frequently, if you wish to avoid a gap in your insurance coverage history or if you wish to get your suspended/revoked license reinstated.

Take a look at the answers to some commonly asked questions about Maryland non-owner car insurance to determine the best way forward.