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

Non-owner car insurance is a type of coverage designed for individuals who frequently drive vehicles they do not own. It provides financial protection if the driver gets into an accident or causes damage or injuries to others while driving a borrowed or rented car. For drivers with severe violations like DUIs, obtaining non-owner car insurance in Texas can also help meet legal requirements and reinstate their driver's license.

Based on MoneyGeek’s analysis, State Farm is the best and cheapest option for Texas non-owner car insurance, regardless of whether you have a clean record or a history of violations. However, the best provider for you will depend on your preferences and coverage needs.

The most affordable Texas non-owner car insurance providers are as follows:

• Drivers with clean records: State Farm ($32 per month)
• Drivers with an at-fault accident: State Farm ($36 per month)

Compared to drivers with a clean record who choose the cheapest non-owner car insurance provider, those with violations can expect to pay an average of $4 more per month.

For Texas drivers with clean records, the cheapest non-owner car insurance options are as follows:

• State Farm: $32 per month
• Foremost: $58 per month

USAA offers the lowest rates for non-owner car insurance at $28 per month. However, USAA policies are exclusively available to military personnel and their families.

In Texas, the cheapest rate for non-owner car insurance is about $32 per month, which is slightly lower than the national average of $43 per month.

For Texas drivers with violations, you can find low-cost SR-22 coverage options from the following providers:

• State Farm: $36 per month
• GEICO: $75 per month

USAA is another affordable option for military community members, with an average monthly rate of $46.

If you have committed a driving offense like a DUI or driving without insurance, you may be obligated to file an SR-22, which can result in higher premiums. The cheapest non-owner SR-22 insurance in Texas is approximately $36 per month, which is significantly lower than the national average cost of $59 per month.

Non-owner auto insurance in Texas offers liability coverage for property damage and bodily injury to others in case of an at-fault accident, but it doesn’t cover the cost of repairing or replacing the car you are driving.

This type of insurance is suitable for individuals who need to insure a car that they do not own. Non-owner car insurance policies generally have lower premiums compared to full coverage policies. The following table highlights the differences between non-owner and full coverage policies.

Texas non-owner car insurance costs an average of $48 per month, which is $5 more than the national average.

Although your location affects the cost of car insurance, other factors such as the make and model of your car and your driving history can have a bigger impact on rates.

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

• State Farm: MoneyGeek score 74 out of 100 ($32 per month)
• Foremost: MoneyGeek score 59 out of 100 ($58 per month)
• Nationwide: MoneyGeek score 47 out of 100 ($58 per month)

MoneyGeek ranks providers based on factors including AM Best financial stability ratings, J.D. Power customer satisfaction ratings and overall affordability. The following overviews of our top-rated insurers can help you find the best fit.

Non-owner car insurance in Texas is worth considering if you frequently drive cars you don't own or need to reinstate your license. If you fit any of the following profiles, this type of insurance policy may be a good option for you.

You'll find answers to commonly asked questions about non-owner auto insurance in Texas below.