Updated: May 11, 2026
Advertising & Editorial Disclosure
Auto-Owners offers Missouri's most affordable non-owner car insurance at $48 monthly, with only one insurer among five total providers offering policies under $50. Read more.
Get non-owner car insurance if you regularly borrow or rent vehicles but don't own one yourself. It's also useful for maintaining coverage or meeting SR-22 requirements. Read more.
Auto-Owners charges just $48 monthly for the cheapest non-owner policy available. That's $14 less than the priciest option, making it worth shopping around among the five insurers that offer this coverage in the state.
You'll need to call insurers directly for quotes since most don't provide online tools for non-owner policies, and not all major carriers offer this type of coverage.
Auto-Owners | $48 | $579 | 1-800-288-8740 |
$50 | $601 | 1-888-564-5043 | |
$50 | $602 | 1-800-841-3000 | |
$50 | $603 | (573) 893-1400 | |
$62 | $739 | 1-800-743-5837 |
Non-owner insurance ranks among the more affordable types of car insurance since it's liability-only coverage that meets Missouri's minimum requirements for property damage and injuries you cause to others.
Traditional policies cost more because they bundle comprehensive and collision coverage with higher liability limits, coverage non-owner policies skip entirely. If you don't own a car but need to meet Missouri's minimum insurance requirements, a non-owner policy gets you there for less.
Across five providers in Missouri, non-owner car insurance averages $52 per month, $44 less than the $96 monthly state average for standard coverage. Rates vary by insurer, driver history, and the coverage limits you choose, so your actual quote may differ from that figure.
Monthly Premium
Monthly Premium
Several factors affect non-owner car insurance rates.
For drivers who need a standard policy, our guide to the cheapest car insurance in Missouri ranks providers by rate and driver profile.
Non-owner car insurance covers you when you regularly borrow cars from friends or rent vehicles, but don't own one yourself. It's also the policy that drivers need to file an SR-22 after a license suspension. The coverage satisfies Missouri's minimum liability requirements: $25,000 for bodily injury per person, $50,000 per accident and $25,000 for property damage.
How your coverage works depends on your driving situation. When you borrow someone's car, the non-owner policy provides liability coverage for injuries and property damage you cause to others. But it won't cover damage to the vehicle you're driving. When renting a car, your non-owner insurance may not apply at all, which is why rental companies often recommend their own coverage options.
Non-owner policies can fulfill SR-22 requirements for high-risk drivers. Visit how to get car insurance without a car. MoneyGeek found average rates and phone numbers for insurers who offer policies in Missouri.
Non-owner insurance helps drivers who don't own vehicles but who do rent or borrow cars.
A non-owner policy isn't appropriate for those who:
Avoid companies claiming to sell one-day insurance or one-week car insurance. These are scams. Rather, look into getting rental car company insurance for short-term vehicle use or non-owner policies that cover liability.
Missouri drivers often ask these questions about non-owner car insurance:
Auto-Owners provides the most affordable non-owner car insurance for Missouri drivers, charging $48 per month for coverage.
Non-owner car insurance in Missouri runs $96 per month and $1,156 annually for drivers who don't own vehicles.
MoneyGeek gathered Missouri auto insurance rates from the Missouri Department of Insurance and Quadrant Information Services. We analyzed 240 car insurance quotes from five providers and found the state's most affordable and best options.
Coverage Levels
We evaluated non-owner car insurance rates in Missouri at the state's minimum coverage levels:
Drivers and Cars in Missouri
Rates are based on a standardized driver profile:
Learn more about MoneyGeek's car insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He writes about economics and insurance on MoneyGeek so people can make coverage decisions with confidence. His insurance insights have been featured in The Washington Post, The New York Times and NPR, among other media outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data, and no insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time Jeopardy champion!
