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

Non-owner car insurance provides liability coverage for individuals in Oklahoma who don't own a vehicle but drive frequently. It's beneficial for those who often borrow cars or want to avoid a gap in coverage. Non-owner car insurance can also help drivers with violations reinstate their suspended or revoked licenses.

State Farm stands out as the top choice for both the cheapest and best non-owner car insurance in Oklahoma, offering the best balance of affordability and quality service. It offers the lowest rates for drivers with clean records and those with offenses.

The following insurers offer the cheapest non-owner car insurance policies for Oklahoma drivers:

• Drivers with clean records: State Farm ($27 per month)
• Drivers with violations: State Farm ($31 per month)

It's important to note that having a driving offense on your record usually results in higher insurance rates. The cheapest rate for drivers with violations in Oklahoma is $4 higher than the cheapest option for those with a clean driving history.

If you have a clean driving history in Oklahoma, you can find the most affordable non-owner car insurance from these providers:

• State Farm: $27 per month
• Progressive: $29 per month

While USAA offers cheaper non-owner car insurance at around $21 per month, it’s exclusively available to veterans, active military members and their families.

The cheapest average rate for non-owner car insurance in Oklahoma is $27 per month, which is much lower than the national average of $43 per month.

For Oklahoma drivers with traffic violations, the most affordable non-owner car insurance options are:

• State Farm: $31 per month
• GEICO: $51 per month

Those with military backgrounds can also obtain affordable SR-22 insurance in Oklahoma from USAA at approximately $31 per month.

If you have a driving offense, such as a DUI or an at-fault accident, you may be required to file an SR-22, which can lead to increased insurance costs. The cheapest non-owner SR-22 insurance in Oklahoma is priced at $31 per month, which is $28 lower than the national average.

Non-owner car insurance in Oklahoma provides liability coverage for drivers who don’t own a car. It provides financial protection against third-party bodily injuries and property damage in case of an at-fault accident. However, it doesn’t cover your own injuries or damages to the vehicle you’re driving since it doesn't include comprehensive and collision coverage.

Generally, non-owner car insurance is beneficial for individuals who frequently drive rental cars, borrow vehicles from friends or want to maintain continuous coverage to avoid premium increases. The table below highlights the differences in coverage between non-owner and full coverage policies.

In Oklahoma, the average cost of non-owner car insurance is $33 per month, which is lower than the national average cost of auto insurance of $43 per month.

While your location does influence your insurance rates, other factors such as age, driving history, coverage limits and vehicle type have a more significant impact on your premiums.

Based on MoneyGeek's analysis, here are the top non-owner car insurance providers in Oklahoma:

• State Farm: MoneyGeek score 70 out of 100 ($27 per month)
• GEICO: MoneyGeek score 66 out of 100 ($32 per month)
• Progressive: MoneyGeek score 64 out of 100 ($29 per month)

MoneyGeek ranks the best insurers based on factors such as affordability, J.D. Power customer satisfaction ratings and financial stability ratings from AM Best.

Our company overviews below can help you make an informed decision and find the best provider for your needs and budget.

Non-owner car insurance is a suitable option for individuals who don’t own a vehicle but frequently drive rental cars, borrow vehicles or want continuous insurance coverage. The following types of drivers may benefit from a non-owner policy.

MoneyGeek responded to some commonly asked questions about non-owner car insurance in Oklahoma to help you find the right fit for your needs and budget.