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

Non-owner car insurance provides liability coverage for individuals who don't own a vehicle but still drive often. If you are at fault in an accident while driving a borrowed, rented or shared vehicle, the non-owner car insurance policy will cover third-party bodily injury and property damage.

Non-owner car insurance can also be useful if your driver's license is suspended due to driving violations and you need to prove that you have the minimum mandated insurance coverage.

In New York, Kemper offers the cheapest non-owner car insurance for both drivers with a clean record and those with violations. Meanwhile, GEICO offers the best policies overall, balancing service quality and affordability.

The cheapest company for non-owner auto insurance in New York is:

• Drivers with a clean record: Kemper ($37 per month)
• Drivers with violations: Kemper ($51 per month)

While Kemper offers the most affordable non-owner auto insurance for both types of drivers, those with violations can expect to pay up to $14 more per month for coverage than those with clean records.

The two cheapest companies for non-owner car insurance in New York, if you have a clean driving record, are:

• Kemper: $37 per month
• GEICO: $60 per month

If you have a military background, USAA is one of the cheapest providers for non-owner car insurance at $58 per month.

In New York, the cheapest non-owner car insurance costs an average of $37 per month, which is slightly lower than the national average of $43 per month.

The cheapest non-owner SR-22 car insurance in New York is offered by the following companies:

• Kemper: $51 per month
• Progressive: $64 per month

USAA is among the cheapest providers for non-owner auto insurance in New York if you have a violation, with an average rate of $64 per month, but eligibility is limited to individuals with a military background and their families.

Serious violations like a DUI or an at-fault accident may require you to file an SR-22. Violations that require an SR-22 typically result in higher car insurance premiums since insurers will consider you a high-risk driver.

The cheapest non-owner SR-22 insurance in New York costs $51 per month, which is slightly below the national average of $59 per month.

Non-owner car insurance is a type of liability-only auto insurance that provides coverage for people who do not own vehicles but drive rentals, rideshares or borrowed cars.

Non-owner car insurance in New York covers property damage and bodily injury caused to others in an at-fault accident. However, it does not cover personal injuries and damages to the vehicle you are driving.

The table below illustrates the coverage offered by a non-owner car insurance policy versus a full coverage policy.

The average cost of New York non-owner car insurance is $75 per month. This rate is considerably higher than the national average of $43 per month.

While location can be a factor in the cost of car insurance, other factors like driver age, vehicle make and model and coverage level have a more substantial impact on premiums.

The best companies in New York for non-owner car insurance are:

• GEICO: MoneyGeek score 64 out of 100 ($60 per month)
• Progressive: MoneyGeek score 63 out of 100 ($64 per month)
• State Farm: MoneyGeek score 52 out of 100 ($99 per month)

MoneyGeek ranked the best insurers based on a comprehensive rating system that considers J.D. Power customer satisfaction ratings, AM Best financial stability ratings and affordability.

We reviewed the top providers in New York to help you find the best non-owner car insurance.

Non-owner car insurance is a good option for individuals who frequently drive but do not own a vehicle. It offers liability coverage to meet the minimum car insurance requirements for legal driving. The following driver profiles can benefit from this type of policy:

We answered some commonly asked questions about New York non-owner car insurance to help you learn more.