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

In New Jersey, non-owner car insurance provides liability coverage for individuals who don't own a car but still drive frequently. It’s beneficial if you regularly borrow someone else's car, rent cars or are a professional driver. Non-owner car insurance can also be helpful for drivers with violations like DUIs who need to reinstate a suspended or revoked driver's license.

Our analysis shows that GEICO is the most affordable non-owner car insurance provider in New Jersey for both safe drivers and those with violations. Additionally, Travelers stands out as the best company thanks to its balance of low prices and quality service.

For New Jersey drivers seeking non-owner car insurance, the following insurers provide the most affordable policies:

• Drivers with clean records: GEICO ($36 per month)
• Drivers with violations: GEICO ($50 per month)

Keep in mind that having a driving offense on your record will result in higher insurance costs. In New Jersey, the cheapest option for non-owner car insurance for drivers with violations is $16 more per month than the cheapest rate for those with a clean driving history.

If you have a clean driving history in New Jersey, you can secure the cheapest non-owner auto insurance from the following providers:

• GEICO: $36 per month
• Travelers: $59 per month

The cheapest average rate for non-owner car insurance in New Jersey is $36 per month, which is slightly lower than the national average of $43 per month.

For New Jersey drivers with violations looking for low-cost SR-22 coverage, the following insurers offer the most affordable options:

• GEICO: $50 per month
• Travelers: $99 per month

Having a driving offense such as a DUI or an at-fault accident on your record may require you to file an SR-22, which can lead to higher insurance costs. The least expensive non-owner SR-22 insurance in New Jersey is $50 per month, which is $9 lower than the national average.

Non-owner car insurance provides liability-only coverage for drivers who don't own a car. It offers financial protection against third-party bodily injuries and property damage but doesn't include coverage for personal injuries or damages to the vehicle you're driving.

This type of insurance is beneficial for those who frequently use rental or borrowed cars or those who want to avoid increased premiums due to a lapse in coverage. To understand the coverage variations between non-owner and standard policies, refer to the comparison table below.

The average cost of non-owner car insurance in New Jersey is $86 per month, which is considerably higher than the national average cost of car insurance for non-owner drivers, which is $43 per month.

Although location plays a role in determining insurance rates, factors such as age, driving record, coverage limits and the type of vehicle you drive can have a more significant impact on your premiums.

In New Jersey, the top non-owner car insurance providers are:

• Travelers: MoneyGeek score 77 out of 100 ($59 per month)
• GEICO: MoneyGeek score 74 out of 100 ($36 per month)
• Progressive: MoneyGeek score 65 out of 100 ($68 per month)

MoneyGeek's rankings took into account an insurer’s affordability, customer satisfaction ratings from J.D. Power and financial stability ratings from AM Best.

Our overviews of these three leading companies can help you select the ideal provider for your needs.

Non-owner car insurance is a suitable choice for individuals who don't own a vehicle but frequently drive rented or borrowed cars or wish to maintain continuous insurance coverage. It can also be helpful in reinstating your driver's license if it has been suspended or revoked.

We responded to some frequently asked questions about non-owner car insurance in New Jersey to help you learn more about the topic.