Auto-Owners and GEICO offer Wisconsin's cheapest non-owner car insurance at just $20 monthly, below the state average of $30. Explore other affordable choices below.
Cheapest Non-Owner Car Insurance in Wisconsin
Updated: February 3, 2025
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Best Cheap Non-Owner Car Insurance in Wisconsin: Key Takeaways
Auto-Owners offers Wisconsin's cheapest non-owner SR-22 car insurance for those with a driving incident at around $24 monthly.
Non-owner insurance covers you when driving a vehicle you don't own, as long as you meet the state's minimum coverage requirements.
Consider non-owner insurance if you often borrow or rent cars or need to reinstate your license but can't afford a traditional policy.
Cheapest Non-Owner Car Insurance in Wisconsin
| Auto-Owners | $238 | $20 |
| GEICO | $238 | $20 |
| State Farm | $268 | $22 |
| Travelers | $370 | $31 |
| Farmers | $388 | $32 |
| Nationwide | $416 | $35 |
| Progressive | $475 | $40 |
| Kemper | $731 | $61 |
Cheapest Non-Owner SR-22 Car Insurance in Wisconsin
Auto-Owners offers Wisconsin's most affordable SR-22 non-owner policy at just $24 monthly, about half the state average of $47 for minimum coverage. The table below compares other SR-22 providers.
| Auto-Owners | $287 | $24 |
| State Farm | $301 | $25 |
| GEICO | $372 | $31 |
| Travelers | $492 | $41 |
| Nationwide | $547 | $46 |
| Farmers | $554 | $46 |
| Progressive | $932 | $78 |
| Kemper | $1,022 | $85 |
How Much Is Non-Owner Car Insurance in Wisconsin?
Wisconsin's average monthly non-owner car insurance cost is $30, less than the national average of $43. For SR-22 insurance, the state average is $47, slightly below $48 nationally. Your premium can vary based on your driving history and other personal factors.
Non-Owner Car Insurance Cost Comparison: National vs. State
National Average Cost
Monthly Premium
$43
Wisconsin Average Cost
Monthly Premium
$30Non-owner car insurance in Wisconsin is cheap:$13 saved
This is 30% less expensive.
Wisconsin Non-Owner Car Insurance: Buyer's Guide
Our guide helps drivers determine if non-owner insurance is the right fit. It explains this coverage, compares it to standard policies and highlights who benefits most.
What Is Non-Owner Car Insurance?
Non-owner insurance is for those who drive frequently but don't own a car. It covers costs if you're at fault in an accident, even if the vehicle isn't yours. Below, we compare it to regular car insurance.
Policy Coverage | Standard Policy | Non-Owner |
|---|---|---|
✔️ | ✔️ | |
Medical payments | ✔️ | ✔️ |
Personal injury protection | ✔️ | ✔️ |
Uninsured/underinsured motorist | ✔️ | ✔️ |
✔️ | ✔️ | |
Collision | ✔️ | |
Comprehensive | ✔️ |
Does Wisconsin Allow Non-Owner Car Insurance?
Wisconsin residents can get non-owner car insurance, ideal for drivers who don't own a car but still need coverage. If an SR-22 is required, it can be added to the non-owner policy to meet state minimum requirements.
WISCONSIN MINIMUM INSURANCE REQUIREMENTS
Wisconsin's minimum coverage requirements apply to non-owner car insurance as well. 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
The state minimums may not provide full financial protection. Consider how much coverage you need before purchasing a policy to ensure you're fully protected.
Should You Get Non-Owner Car Insurance in Wisconsin?
Drivers who frequently rent cars or use car-sharing services may opt for non-owner insurance. It's an affordable way to stay covered even if you don't own the car.
AVOID ONE-DAY CAR INSURANCE
Be cautious of "one-day insurance" offers in Wisconsin, as they're often fraudulent. For temporary coverage like during a move or road trip, buying insurance through a car rental company is safer.
Who Should Consider Non-Owner Car Insurance?
The following types of drivers should consider a non-owner car insurance policy:
Car borrowers
Car borrowers still need coverage when driving someone else's car. Non-owner insurance provides liability protection without owning a vehicle, ensuring you're covered in case of an accident.
Occasional renters
Non-owner car insurance covers multiple rental periods, often at a more affordable rate than buying insurance from the rental company each time.
Drivers between cars
Drivers who temporarily don't own a vehicle may purchase non-owner insurance to maintain continuous coverage, preventing higher premiums due to a coverage lapse.
License reinstatement-seekers
Drivers reinstating a suspended license may need proof of insurance. Non-owner insurance meets this requirement without the need to own a car.
WHAT IS SR-22 INSURANCE?
An SR-22 is a form insurance companies send to the DMV to show you have the state minimum coverage. Also called a Certificate of Financial Responsibility, it’s often required after violations like a DUI or driving without insurance.
Cheap Non-Owner Car Insurance in Wisconsin: Bottom Line
Wisconsin drivers can get non-owner car insurance, even those needing SR-22 forms. Auto-Owners and GEICO are the most affordable providers, followed closely by State Farm. Compare quotes from multiple providers to find the best deal.
Non-Owner Car Insurance in Wisconsin: FAQ
Find answers to common questions about non-owner car insurance in Wisconsin.
Which company offers the cheapest non-owner car insurance in Wisconsin?
Auto-Owners and GEICO offer Wisconsin's most affordable non-owner car insurance at $20 monthly. Auto-Owners also provides the cheapest SR-22 rate at $24.
How much does non-owners car insurance cost in Wisconsin?
Wisconsin's annual non-owner car insurance cost averages $365 ($30 monthly). The average annual cost for those needing an SR-22 is $563 ($47 monthly).
Wisconsin Non-Owner Car Insurance Ratings: Our Review Methodology
MoneyGeek compiled Wisconsin auto insurance rates by collecting data from the Wisconsin Office of the Commissioner of Insurance and Quadrant Information Services. We examined 240 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 Wisconsin 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
Drivers and Cars in Wisconsin
To find the best and most affordable companies for non-owner car insurance in Wisconsin, 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.