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

Non-owner car insurance is basic coverage for drivers without a car, ensuring liability protection when driving borrowed or rented vehicles. Whether utilizing car-sharing services, renting cars for travel or borrowing vehicles from acquaintances, this insurance provides financial peace of mind.

For drivers with severe violations such as a DUI, securing non-owner car insurance may satisfy your state's insurance requirements, facilitating the reinstatement of your driver's license.

In Wisconsin, Auto-Owners offers the cheapest and overall best non-owner car insurance policies with an average monthly premium of $20. It also provides the most affordable non-owner plans for drivers with violations on their records. MoneyGeek reviewed Wisconsin’s top insurers offering non-owner policies and their benefits for different driving profiles.

Auto-Owners offers Wisconsin’s cheapest non-owner car insurance policies for drivers with perfect records and drivers with violations.

• Drivers with clean records: Auto-Owners ($20 per month)
• Drivers with violations: Auto-Owners ($24 per month)

Drivers with traffic offenses on their records should expect to pay an average of $4 more monthly than drivers with clean records. Remember that insurance rates vary based on individual circumstances, so we recommend comparing quotes and considering your coverage needs before purchasing a policy.

Auto-Owners and GEICO provide the most affordable average non-owner car insurance policies for Wisconsin drivers with clean records.

• Auto-Owners: $20 per month
• GEICO: $20 per month

Meanwhile, USAA is highly recommended for military community members, offering the state’s cheapest average non-owner insurance rates at $14 monthly. Wisconsin’s cheapest non-owner insurance policies average $20 per month, well below the national average of $43 monthly.

Auto-Owners and State Farm are Wisconsin’s cheapest providers of SR-22 car insurance for non-owners.

• Auto-Owners: $24 per month
• State Farm: $25 per month

USAA, a reputable insurer for military community members, also provides competitive average rates for SR-22 non-owner car insurance at $20 monthly.

Drivers with past traffic offenses, such as at-fault accidents or DUIs, may be obligated to file an SR-22. These violations on your driving record can result in more expensive insurance premiums. Luckily, the average rate of the cheapest companies for SR-22 non-owner car insurance in Wisconsin is $25 monthly, substantially lower than the national monthly average of $59.

Non-owner car insurance protects drivers who do not own a vehicle but require coverage while driving. It covers liability for bodily injury and property damage when operating borrowed or rented cars.

Wisconsin residents may consider exploring non-owner car insurance policies to ensure sufficient coverage when driving without owning a vehicle. Below is a table highlighting the variations in coverage between non-owner car insurance and a full coverage policy.

The average monthly cost of non-owner car insurance in Wisconsin is around $30, significantly lower than the national average of $43 per month.

Various factors, including age, vehicle make and model, driving history and coverage limits, can substantially influence your car insurance premiums, surpassing the impact of location alone. When contemplating non-owner car insurance, it’s helpful to obtain quotes from multiple insurers to identify the most suitable coverage for you.

The top companies for non-owner car insurance in Wisconsin are:

• Auto-Owners: MoneyGeek score of 76 out of 100 ($20 per month)
• GEICO: MoneyGeek score of 71 out of 100 ($20 per month)
• State Farm: MoneyGeek score of 69 out of 100 ($22 per month)

MoneyGeek assesses car insurance companies by evaluating company performance in critical areas, including J.D. Power’s customer satisfaction ratings, financial stability ratings from AM Best and relative policy affordability.

By exploring the highlights of each company below, you can make an informed decision when selecting your non-owner insurance provider in Wisconsin.

Non-owner car insurance in Wisconsin can be a valuable option for consumers who do not own a vehicle but still drive. It can protect drivers who frequently rent or borrow cars from others. Non-owner car insurance provides coverage and peace of mind in situations not covered by standard car insurance.

We examined the types of drivers who may benefit most from a non-owner car insurance policy in Wisconsin.

Gain valuable insight into non-owner car insurance in Wisconsin by reading MoneyGeek’s answers to your most commonly asked questions.