Kemper offers New York's cheapest non-owner car insurance at $37 monthly, much lower than the state average of $75. Explore other cost-effective options in the table below.
Cheapest Non-Owner Car Insurance in New York
Updated: January 31, 2025
Advertising & Editorial Disclosure
Best Cheap Non-Owner Car Insurance in New York: Key Takeaways
Kemper offers the cheapest non-owner car insurance in New York at $37 monthly.
Non-owner insurance covers you when driving a vehicle that's not yours, as long as you meet the state's minimum coverage requirements.
Consider non-owner insurance if you often borrow or rent vehicles or need to reinstate your license without a traditional policy.
Cheapest Non-Owner Car Insurance in New York
| Kemper | $442 | $37 |
| GEICO | $718 | $60 |
| Progressive | $770 | $64 |
| State Farm | $1,184 | $99 |
| Travelers | $1,598 | $133 |
How Much Is Non-Owner Car Insurance in New York?
New York's average monthly non-owner car insurance cost is $75, higher than the national average of $43. Your premium depends on your driver profile.
Non-Owner Car Insurance Cost Comparison: National vs. State
National Average Cost
Monthly Premium
$43
New York Average Cost
Monthly Premium
$75On average, non-owner car insurance in New York is:$32 more
This is 74% more expensive.
New York Non-Owner Car Insurance: Buyer's Guide
Our guide helps drivers decide if non-owner insurance is the best option. It explains the coverage, how it differs from standard policies, typical costs and who benefits most.
What Is Non-Owner Car Insurance?
If you drive often but don't own a car, non-owner insurance could be right for you. Ideal for rentals or car-sharing, this policy covers costs if you're at fault in an accident, protecting you from out-of-pocket expenses. Compare it below with standard policies to see how it fits your needs.
Policy Coverage | Standard Policy | Non-Owner |
|---|---|---|
✔️ | ✔️ | |
Medical payments | ✔️ | ✔️ |
Personal injury protection | ✔️ | ✔️ |
Uninsured/underinsured motorist | ✔️ | ✔️ |
✔️ | ✔️ | |
Collision | ✔️ | |
Comprehensive | ✔️ |
Does New York Allow Non-Owner Car Insurance?
New York allows non-owner car insurance, a solution that meets minimum coverage requirements for drivers who don’t own a car.
NEW YORK MINIMUM INSURANCE REQUIREMENTS
New York's minimum coverage requirements 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
- $10,000 in property damage liability per accident
- $25,000 uninsured motorist bodily injury per person
- $50,000 uninsured motorist bodily injury per accident
- $50,000 personal injury protection (PIP) per person
- $50,000 death liability per person
- $100,000 death liability per accident
Costs from accidents can quickly exceed these limits. Consider how much coverage you need before purchasing a policy.
Should You Get Non-Owner Car Insurance in New York?
Drivers who don’t own a car but frequently rent or borrow one may want to consider non-owner insurance. It’s an affordable way to cover damage or injuries you may cause while driving, maintain continuous coverage and lower future premiums.
AVOID ONE-DAY CAR INSURANCE
Be cautious of "one-day insurance" offers in New York, as they may signal fraud. Consider purchasing through a car rental company for safer temporary coverage, especially for short-term needs like moving or road trips.
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 car borrowers when driving a vehicle they don't own, especially if they aren't insured on the owner's policy.
Occasional renters
Non-owner car insurance provides coverage without the need for repetitive rental company insurance purchases, potentially saving money over time.
Drivers between cars
Drivers between cars maintain continuous insurance with non-owner policies, which can prevent future premium increases due to a coverage lapse.
License reinstatement-seekers
Drivers reinstating their license after a suspension may need proof of insurance. A non-owner policy provides an affordable way to meet this requirement.
Cheap Non-Owner Car Insurance in New York: Bottom Line
New York provides non-owner car insurance for drivers. Kemper offers the most affordable plan, followed by GEICO and Progressive. To get the best deal, compare quotes from multiple providers.
Non-Owner Car Insurance in New York: FAQ
Get answers to frequently asked questions about non-owner car insurance in New York below.
Which company offers the cheapest non-owner car insurance in New York?
Kemper offers the cheapest non-owner car insurance in New York at $37 monthly.
How much does non-owners car insurance cost in New York?
New York's non-owner car insurance averages $901 annually or $75 monthly.
New York Non-Owner Car Insurance Ratings: Our Review Methodology
MoneyGeek compiled New York auto insurance rates by collecting data from the New York Department of 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 New York 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
- $10,000 in property damage liability per accident
- $25,000 uninsured motorist bodily injury per person
- $50,000 uninsured motorist bodily injury per accident
- $50,000 personal injury protection (PIP) per person
- $50,000 death liability per person
- $100,000 death liability per accident
Drivers and Cars in New York
To find the best and most affordable companies for non-owner car insurance in New York, 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.