State Farm offers the cheapest non-owner car insurance in Texas for drivers with clean records at $32 monthly, lower than the state average of $48. Explore other cost-effective options in the table below.
Cheapest Non-Owner Car Insurance in Texas
Updated: February 3, 2025
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Best Cheap Non-Owner Car Insurance in Texas: Key Takeaways
State Farm is the cheapest non-owner SR-22 car insurance option in Texas for those with a driving incident, with an average monthly cost of $36.
Non-owner insurance covers you when driving a vehicle that isn't yours, as long as you meet the state's minimum coverage requirements.
Non-owner insurance is recommended for drivers who borrow or rent cars often or need to reinstate their license without a traditional policy.
Cheapest Non-Owner Car Insurance in Texas
| State Farm | $379 | $32 |
| Foremost | $699 | $58 |
| Nationwide | $701 | $58 |
| GEICO | $776 | $65 |
Cheapest Non-Owner SR-22 Car Insurance in Texas
State Farm offers Texas' cheapest SR-22 non-owner policy at just $36 monthly, much less than the state average of $80 for minimum coverage. The table below compares other SR-22 providers.
| State Farm | $429 | $36 |
| GEICO | $899 | $75 |
| Nationwide | $925 | $77 |
| Foremost | $1,566 | $130 |
How Much Is Non-Owner Car Insurance in Texas?
Texans pay around $48 monthly for non-owner car insurance cost, above the national average of $43. SR-22 coverage averages $80, compared to $48 nationally. Your rate may vary based on your driving history and other personal details.
Non-Owner Car Insurance Cost Comparison: National vs. State
National Average Cost
Monthly Premium
$43
Texas Average Cost
Monthly Premium
$48On average, non-owner car insurance in Texas is:$5 more
This is 12% more expensive.
Texas Non-Owner Car Insurance: Buyer's Guide
Our guide helps drivers determine if non-owner insurance is right for them. It explains its coverage, how it differs from regular policies, its costs and who benefits most.
What Is Non-Owner Car Insurance?
If you drive often but don't own a car, non-owner insurance is for you. It covers the costs of damage you might cause to others in an accident. It helps you stay legal on the road and avoid large bills if there's a mishap. Below, see how it compares to standard policies.
Policy Coverage | Standard Policy | Non-Owner |
|---|---|---|
✔️ | ✔️ | |
Medical payments | ✔️ | ✔️ |
Personal injury protection | ✔️ | ✔️ |
Uninsured/underinsured motorist | ✔️ | ✔️ |
✔️ | ✔️ | |
Collision | ✔️ | |
Comprehensive | ✔️ |
Does Texas Allow Non-Owner Car Insurance?
Texas permits non-owner car insurance for drivers without a car but needing coverage. Affordable options are available to pair with an SR-22 if required.
TEXAS MINIMUM INSURANCE REQUIREMENTS
Texas' minimum coverage requirements apply to non-owner car insurance. The limits are:
- $30,000 in bodily injury liability per person
- $60,000 in bodily injury liability per accident
- $25,000 in property damage liability per accident
These minimums may not fully protect you. Consider how much coverage you need before purchasing a policy to ensure it aligns with your circumstances.
Should You Get Non-Owner Car Insurance in Texas?
Non-owner car insurance is a practical option for those who drive but don’t own a car. It provides coverage for renting or borrowing vehicles, meets state minimum requirements and helps maintain continuous insurance history, potentially reducing future costs.
AVOID ONE-DAY CAR INSURANCE
Be cautious of "one-day insurance" offers in Texas, as these could be fraudulent. For temporary coverage, such as during a move or road trip, it's safer to purchase insurance through a car rental company.
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 is ideal for drivers who frequently borrow cars from friends or family, as it covers damage or injuries they may cause while driving.
Occasional renters
Non-owner insurance is an affordable alternative to rental agency policies. It covers liability without the need for daily rental insurance fees.
Drivers between cars
Non-owner insurance helps those without a vehicle maintain continuous coverage, preventing premium increases caused by a lapse and easing the transition to owning a car later.
License reinstatement-seekers
Drivers seeking to reinstate their suspended license may need proof of insurance. A non-owner policy fulfills this requirement without requiring car ownership.
WHAT IS SR-22 INSURANCE?
An SR-22, or Certificate of Financial Responsibility, is a document your insurer files with the DMV to prove you have minimum auto insurance coverage. It's often required for drivers with issues like a DUI or driving without insurance to regain driving privileges.
Cheap Non-Owner Car Insurance in Texas: Bottom Line
Texas provides non-owner car insurance for drivers, including those needing SR-22 filings. State Farm provides the cheapest rates; Foremost and Nationwide also offer competitive options. Comparing quotes from multiple insurers helps secure the best deal.
Non-Owner Car Insurance in Texas: FAQ
Find answers to common questions about non-owner car insurance in Texas.
Which company offers the cheapest non-owner car insurance in Texas?
State Farm offers the cheapest non-owner car insurance in Texas, with rates starting at $32 monthly. It’s also the most affordable option for drivers needing SR-22 coverage.
How much does non-owners car insurance cost in Texas?
In Texas, non-owner car insurance costs about $579 annually or $48 monthly for drivers with clean records. For those needing SR-22 insurance, annual rates average $955 or $80 monthly.
Texas Non-Owner Car Insurance Ratings: Our Review Methodology
MoneyGeek compiled Texas auto insurance rates by collecting data from the Texas Department of Insurance 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 Texas using minimum coverage policies. The state-required minimum coverage includes:
- $30,000 in bodily injury liability per person
- $60,000 in bodily injury liability per accident
- $25,000 in property damage liability per accident
Drivers and Cars in Texas
To find the best and most affordable companies for non-owner car insurance in Texas, 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.