GEICO offers the cheapest non-owner car insurance for drivers with clean records in New Jersey at $36 monthly — much less than the state average of $86. Explore other budget-friendly options in the table below.
Cheapest Non-Owner Car Insurance in New Jersey
Updated: January 31, 2025
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Best Cheap Non-Owner Car Insurance in New Jersey: Key Takeaways
GEICO offers the most affordable non-owner SR-22 car insurance in New Jersey for those with a driving incident, at around $50 monthly.
This type of insurance covers you when driving a car you don't own, as long as you meet New Jersey's minimum coverage requirements.
Non-owner insurance is ideal for those who often borrow or rent cars or need to reinstate their license but can't afford a traditional policy.
Cheapest Non-Owner Car Insurance in New Jersey
| GEICO | $438 | $36 |
| Travelers | $706 | $59 |
| Progressive | $818 | $68 |
| State Farm | $1,463 | $122 |
| Foremost | $1,709 | $142 |
Cheapest Non-Owner SR-22 Car Insurance in New Jersey
GEICO provides New Jersey's most affordable SR-22 non-owner policy at $50 monthly, well below the state average of $139 for minimum coverage. Compare other SR-22 providers below.
| GEICO | $596 | $50 |
| Travelers | $1,182 | $99 |
| Progressive | $1,344 | $112 |
| State Farm | $1,868 | $156 |
| Foremost | $3,326 | $277 |
How Much Is Non-Owner Car Insurance in New Jersey?
New Jersey's average monthly non-owner car insurance cost is $86, double the national average of $43. SR-22 coverage costs roughly $139, compared to $48 nationally. Your premium will 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
New Jersey Average Cost
Monthly Premium
$86On average, non-owner car insurance in New Jersey is:$43 more
This is 100% more expensive.
New Jersey Non-Owner Car Insurance: Buyer's Guide
Our guide helps drivers determine if non-owner insurance is right for them. It explains what it covers, compares it to standard policies, details typical costs and highlights who can benefit most.
What Is Non-Owner Car Insurance?
If you often drive but don't own a car, non-owner insurance is for you. It's often a more affordable way to cover damage or injuries in at-fault accidents. 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 New Jersey Allow Non-Owner Car Insurance?
New Jersey permits non-owner insurance for those who don't own a car but drive occasionally. If you need to file an SR-22, you can find affordable non-owner policies that fulfill this requirement.
NEW JERSEY MINIMUM INSURANCE REQUIREMENTS
New Jersey's minimum coverage requirements also apply to non-owner car insurance policies. The 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
- $15,000 personal injury protection (PIP) per person
In some cases, the state minimums might not fully protect you. Consider how much coverage you need before purchasing a policy.
Should You Get Non-Owner Car Insurance in New Jersey?
Non-owner insurance is a good option for people who drive occasionally but don’t own a car. It covers injuries and property damage while driving. It’s ideal for those renting cars or using car-sharing and is cheaper than regular policies.
AVOID ONE-DAY CAR INSURANCE
Be cautious of "one-day insurance" offers in New Jersey, as they may be a fraud. Using a car rental company's insurance is safer for temporary coverage, especially for short-term needs like 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 insurance covers drivers who borrow cars from friends or family, protecting them financially in case of an accident without relying on the owner’s policy.
Occasional renters
Non-owner insurance is cheaper than rental company insurance for occasional drivers.
Drivers between cars
For drivers who don't own a vehicle but plan to buy one, non-owner insurance maintains continuous coverage, preventing future premiums from rising.
License reinstatement-seekers
Drivers seeking to reinstate their license after a suspension may need proof of insurance. Non-owner insurance can fulfill this requirement without needing vehicle ownership.
WHAT IS SR-22 INSURANCE?
An SR-22 or Certificate of Financial Responsibility is a form your insurance company sends to the DMV to show you have the required minimum coverage. If you've had a serious offense, like a DUI or driving without insurance, you may need it to drive again legally.
Cheap Non-Owner Car Insurance in New Jersey: Bottom Line
New Jersey provides non-owner car insurance for drivers, including those who need SR-22 forms. GEICO is the most budget-friendly option, followed by Travelers and Progressive. To find the best deal, compare quotes from multiple providers.
Non-Owner Car Insurance in New Jersey: FAQ
Get answers to frequently asked questions about non-owner car insurance in New Jersey below.
Which company offers the cheapest non-owner car insurance in New Jersey?
GEICO offers the cheapest non-owner car insurance in New Jersey at $36 monthly and SR-22 coverage at $50.
How much does non-owners car insurance cost in New Jersey?
In New Jersey, non-owner car insurance costs about $1,027 annually or $86 monthly. For those needing an SR-22, the price rises to around $1,663 annually or $139 monthly.
New Jersey Non-Owner Car Insurance Ratings: Our Review Methodology
MoneyGeek compiled New Jersey auto insurance rates by collecting data from the New Jersey Department of Banking and Insurance 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 New Jersey using minimum coverage policies. The state-required minimum coverage includes:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $25,000 in property damage liability per accident
- $15,000 personal injury protection (PIP) per person
Drivers and Cars in New Jersey
To find the best and most affordable companies for non-owner car insurance in New Jersey, 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.