Travelers provides the cheapest non-owner car insurance in Michigan for drivers with clean records at just $15 monthly, much lower than the state average of $112. Explore other affordable options in the table below.
Cheapest Non-Owner Car Insurance in Michigan
Updated: January 30, 2025
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Best Cheap Non-Owner Car Insurance in Michigan: Key Takeaways
Travelers offers the cheapest non-owner SR-22 car insurance in Michigan for those with a driving incident, with an average monthly cost of $37.
Non-owner insurance covers you when driving a vehicle you don't own, provided you meet the state's minimum coverage requirements.
Non-owner insurance is ideal for drivers who frequently borrow or rent cars or need to reinstate their license without a traditional policy.
Cheapest Non-Owner Car Insurance in Michigan
| Travelers | $177 | $15 |
| Auto-Owners | $912 | $76 |
| GEICO | $1,126 | $94 |
| Progressive | $1,271 | $106 |
| Farmers | $4,239 | $353 |
Cheapest Non-Owner SR-22 Car Insurance in Michigan
Travelers provides Michigan's most affordable SR-22 non-owner policy at just $37 a month, below the state average of $193 for minimum coverage. The table below compares other SR-22 providers.
| Travelers | $438 | $37 |
| Auto-Owners | $1,053 | $88 |
| Progressive | $1,727 | $144 |
| GEICO | $2,736 | $228 |
| Farmers | $5,645 | $470 |
How Much Is Non-Owner Car Insurance in Michigan?
Michigan's average monthly non-owner car insurance cost is $112, nearly three times the national average of $43. SR-22 coverage jumps to an average of $193 monthly, compared to $48 nationally. Your premium may vary based on your driving history and other personal factors.
Non-Owner Car Insurance Cost Comparison: National vs. State
National Average Cost
Monthly Premium
$43
Michigan Average Cost
Monthly Premium
$112On average, non-owner car insurance in Michigan is:$69 more
This is 160% more expensive.
Michigan Non-Owner Car Insurance: Buyer's Guide
Our guide helps drivers determine if non-owner insurance suits their needs. It covers the basics, compares it to standard policies and explains typical costs.
What Is Non-Owner Car Insurance?
Non-owner car insurance is a policy for those who often drive but don't own a car, like those who rent cars or use car-sharing. It pays for others' medical or repair bills if you cause a crash. Below, see how it compares to standard policies.
Policy Coverage | Standard Policy | Non-Owner |
|---|---|---|
✔ | ✔ | |
Medical payments | ✔ | ✔ |
Personal injury protection | ✔ | ✔ |
Uninsured/underinsured motorist | ✔ | ✔ |
✔ | ✔ | |
Collision | ✔ | |
Comprehensive | ✔ |
Does Michigan Allow Non-Owner Car Insurance?
Michigan permits non-owner car insurance for drivers without a vehicle but needing coverage. When you must file an SR-22, you can opt for a non-owner policy to meet the state's minimum coverage requirements.
MICHIGAN MINIMUM INSURANCE REQUIREMENTS
Michigan's minimum coverage requirements apply to non-owner car insurance. The limits are:
- $50,000 in bodily injury liability per person
- $100,000 in bodily injury liability per accident
- $10,000 in property damage liability per accident
- Unlimited personal injury protection (PIP) per person
While these are the minimums, costs from an accident can quickly exceed these amounts. Consider how much coverage you need before purchasing a policy.
Should You Get Non-Owner Car Insurance in Michigan?
Non-owner car insurance is ideal for frequent renters or borrowers who don’t own a car. It provides affordable coverage and helps you stay insured between vehicles or meet license requirements.
AVOID ONE-DAY CAR INSURANCE
Be cautious of "one-day insurance" offers in Michigan, as they aren't legitimate and may signal fraud. For temporary coverage, such as during a move or road trip, buying insurance through the car rental company is safer.
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 when driving a friend's or family member's vehicle, especially if they don't have a car and aren't listed on the owner's policy.
Occasional renters
Non-owner car insurance covers damage or injuries caused while driving a rental car, potentially saving money versus purchasing the rental company's insurance each time.
Drivers between cars
Drivers currently without a vehicle can maintain continuous insurance coverage with a non-owner policy, which may prevent future premium increases due to a coverage lapse.
License reinstatement-seekers
Drivers looking to reinstate their license after a suspension may need proof of insurance. A non-owner policy can meet this requirement without requiring vehicle ownership.
WHAT IS SR-22 INSURANCE?
An SR-22, a Certificate of Financial Responsibility, is a form your insurer sends to the DMV to show you meet the state minimum coverage requirement. You might need it if you have had a DUI or were caught driving without insurance.
Cheap Non-Owner Car Insurance in Michigan: Bottom Line
Michigan drivers, even those needing SR-22, can find non-owner car insurance. Travelers offers the most affordable plan, with Auto-Owners and GEICO as other budget-friendly options. To secure the best deal, compare multiple providers and quotes.
Non-Owner Car Insurance in Michigan: FAQ
Get answers to frequently asked questions about non-owner car insurance in Michigan below.
Which company offers the cheapest non-owner car insurance in Michigan?
Travelers offers Michigan's cheapest non-owner car insurance at just $15 per month. It also provides the lowest SR-22 rate at $37.
How much does non-owners car insurance cost in Michigan?
In Michigan, non-owner car insurance costs about $1,343 annually or $112 monthly. If you need non-owner SR-22 insurance, expect to pay around $2,320 per year or $193 monthly.
Michigan Non-Owner Car Insurance Ratings: Our Review Methodology
MoneyGeek compiled Michigan auto insurance rates by collecting data from the Michigan Department of Insurance and Financial Services 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 Michigan using minimum coverage policies. The state-required minimum coverage includes:
- $50,000 in bodily injury liability per person
- $100,000 in bodily injury liability per accident
- $10,000 in property damage liability per accident
- Unlimited personal injury protection (PIP) per person
Drivers and Cars in Michigan
To find the best and most affordable companies for non-owner car insurance in Michigan, we used a sample driver profile with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 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.