Non-owner car insurance
It covers you, the driver, in cars you borrow or rent. Answer up to three questions to learn whether you need it and, if you do, how much it costs each month in your state.
Rather talk now? Call 833-958-5598
What non-owner auto insurance costs in each state
| Cheapest companies | A month | A year |
|---|---|---|
 Auto-Owners | $17 | $203 |
 Travelers | $36 | $434 |
 Progressive | $40 | $479 |
| Cheapest companies | A month | A year |
|---|---|---|
 GEICO | $17 | $204 |
 State Farm | $21 | $257 |
 Western National | $27 | $318 |
| Cheapest companies | A month | A year |
|---|---|---|
| Auto-Owners | $8 | $98 |
 Shelter | $9 | $109 |
 Southern Farm Bureau | $30 | $360 |
| Cheapest companies | A month | A year |
|---|---|---|
 AAA | $22 | $269 |
 Farmers | $28 | $339 |
| Progressive | $40 | $476 |
| Cheapest companies | A month | A year |
|---|---|---|
| Auto-Owners | $12 | $141 |
| Southern Farm Bureau | $37 | $439 |
| Progressive | $39 | $467 |
| Cheapest companies | A month | A year |
|---|---|---|
| State Farm | $35 | $424 |
| GEICO | $45 | $537 |
 Nationwide | $120 | $1,442 |
| Cheapest companies | A month | A year |
|---|---|---|
| Auto-Owners | $10 | $125 |
| GEICO | $15 | $180 |
| Progressive | $65 | $785 |
| Cheapest companies | A month | A year |
|---|---|---|
| GEICO | $34 | $407 |
| State Farm | $36 | $429 |
| Progressive | $48 | $578 |
| Cheapest companies | A month | A year |
|---|---|---|
| Auto-Owners | $5 | $64 |
| GEICO | $15 | $174 |
| State Farm | $24 | $286 |
| Cheapest companies | A month | A year |
|---|---|---|
| Auto-Owners | $7 | $83 |
 Indiana Farm Bureau | $18 | $211 |
| Travelers | $24 | $290 |
| Cheapest companies | A month | A year |
|---|---|---|
| Auto-Owners | $6 | $72 |
 Iowa Farm Bureau | $21 | $246 |
 West Bend | $21 | $246 |
| Cheapest companies | A month | A year |
|---|---|---|
| GEICO | $12 | $141 |
| State Farm | $26 | $312 |
| Progressive | $36 | $435 |
| Cheapest companies | A month | A year |
|---|---|---|
| Auto-Owners | $9 | $105 |
| Shelter | $13 | $152 |
| GEICO | $19 | $232 |
| Cheapest companies | A month | A year |
|---|---|---|
| Southern Farm Bureau | $5 | $57 |
| GEICO | $23 | $276 |
| Progressive | $84 | $1,007 |
| Cheapest companies | A month | A year |
|---|---|---|
| Farmers | $22 | $267 |
| Safety | $26 | $317 |
 Arbella | $58 | $695 |
| Cheapest companies | A month | A year |
|---|---|---|
| Auto-Owners | $42 | $506 |
| Progressive | $47 | $560 |
| GEICO | $81 | $976 |
| Cheapest companies | A month | A year |
|---|---|---|
| Auto-Owners | $10 | $117 |
 North Star Mutual | $23 | $270 |
| State Farm | $30 | $365 |
| Cheapest companies | A month | A year |
|---|---|---|
| Shelter | $12 | $143 |
| Travelers | $33 | $397 |
| Southern Farm Bureau | $41 | $491 |
| Cheapest companies | A month | A year |
|---|---|---|
| State Farm | $18 | $210 |
| GEICO | $29 | $349 |
| Farmers | $35 | $421 |
| Cheapest companies | A month | A year |
|---|---|---|
| Auto-Owners | $9 | $103 |
| GEICO | $14 | $164 |
| Progressive | $40 | $474 |
| Cheapest companies | A month | A year |
|---|---|---|
| GEICO | $25 | $304 |
| State Farm | $31 | $369 |
| Travelers | $40 | $480 |
| Cheapest companies | A month | A year |
|---|---|---|
 MMG | $8 | $99 |
| Safety | $17 | $206 |
| GEICO | $18 | $218 |
| Cheapest companies | A month | A year |
|---|---|---|
 Central | $17 | $204 |
| GEICO | $19 | $229 |
 Kemper | $25 | $300 |
| Cheapest companies | A month | A year |
|---|---|---|
 NYCM | $25 | $299 |
 Preferred Mutual | $27 | $322 |
| GEICO | $29 | $350 |
| Cheapest companies | A month | A year |
|---|---|---|
| State Farm | $36 | $431 |
| Progressive | $42 | $509 |
| Nationwide | $51 | $607 |
| Cheapest companies | A month | A year |
|---|---|---|
| Auto-Owners | $13 | $153 |
| GEICO | $14 | $169 |
| State Farm | $17 | $198 |
| Cheapest companies | A month | A year |
|---|---|---|
| Auto-Owners | $6 | $71 |
 Grange | $10 | $115 |
 Erie | $18 | $215 |
| Cheapest companies | A month | A year |
|---|---|---|
| Progressive | $27 | $319 |
| GEICO | $30 | $355 |
 Mercury | $31 | $377 |
| Cheapest companies | A month | A year |
|---|---|---|
| State Farm | $30 | $365 |
| GEICO | $43 | $521 |
 Country Financial | $46 | $548 |
| Cheapest companies | A month | A year |
|---|---|---|
 Westfield | $12 | $140 |
| Travelers | $15 | $180 |
| Erie | $20 | $236 |
| Cheapest companies | A month | A year |
|---|---|---|
| State Farm | $23 | $274 |
| Travelers | $28 | $338 |
| GEICO | $32 | $388 |
| Cheapest companies | A month | A year |
|---|---|---|
| GEICO | $10 | $114 |
| Auto-Owners | $10 | $118 |
| State Farm | $14 | $167 |
| Cheapest companies | A month | A year |
|---|---|---|
| Auto-Owners | $6 | $76 |
 Farm Bureau Insurance of Tennessee | $33 | $393 |
| GEICO | $35 | $418 |
| Cheapest companies | A month | A year |
|---|---|---|
| State Farm | $31 | $375 |
| AAA | $40 | $477 |
| Farmers | $51 | $615 |
| Cheapest companies | A month | A year |
|---|---|---|
 Vermont Mutual | $22 | $268 |
| Progressive | $27 | $320 |
| State Farm | $42 | $500 |
| Cheapest companies | A month | A year |
|---|---|---|
| Travelers | $31 | $375 |
 Virginia Farm Bureau | $36 | $436 |
| State Farm | $37 | $444 |
| Cheapest companies | A month | A year |
|---|---|---|
 PEMCO | $11 | $128 |
| State Farm | $34 | $404 |
| Travelers | $34 | $409 |
| Cheapest companies | A month | A year |
|---|---|---|
| GEICO | $21 | $246 |
| State Farm | $45 | $543 |
| Progressive | $135 | $1,623 |
| Cheapest companies | A month | A year |
|---|---|---|
| Erie | $20 | $238 |
| GEICO | $23 | $281 |
| Progressive | $91 | $1,097 |
| Cheapest companies | A month | A year |
|---|---|---|
| GEICO | $13 | $156 |
 Rural Mutual | $16 | $193 |
| Auto-Owners | $17 | $205 |
Every company and price in your stateCall 833-958-5598 for real quotes
Find out who offers it in your state: see all 9 side by side
- $42 a monthUS average, or $506 a year
- $18 a monthstate with the lowest price, South Dakota
- $95 a monthstate with the highest price, New Jersey
USAA, which sells only to military families, costs $207 a year.
The prices here are for a 40-year-old with no tickets or crashes who buys only the coverage state law requires. An insurance.com price survey produced the numbers.
Help by situation
Need an SR-22 with no car?Some states ask for an SR-22, a form your insurer files to show you carry insurance.
Do you rent cars a lot, or use car-share apps?See what your own policy adds.
Borrowing a friend's car?Their insurance covers you now and then, but for weekly use you should get your own policy.
No car right now?Staying insured with no gap can make your next policy cheaper.
Getting your license back?Find out which steps and proof of coverage most states ask for.
Who can skip non-owner car insurance?
If you own a car, there is no need for one: your existing auto policy already covers you. When you share a home with the car’s owner, ask them to list you on their policy instead. Borrowing a friend’s car only from time to time means their insurance usually protects you.
| Your own non-owner policy | Added to the owner's policy | |
|---|---|---|
| Fits when | You keep no car at your home and drive vehicles you do not own | You share a home with the vehicle’s owner or you drive their car on most days |
| In whose name | Yours | The owner's, with you listed on it |
| After a crash | If you crash, the car owner's insurance pays first. Your policy pays only what that insurance does not cover. | The owner's policy pays |
What does non-owner car insurance pay for?
It pays for damage and injuries you cause to others when you are driving a borrowed or rented car. This is liability coverage: it pays the other driver's hospital bills, or fixes their car, fence, or house. Each policy carries a maximum payout, known as its limit.
Usually, the owner's insurance pays first if you cause an accident while driving their car. When the costs go above what their insurance will pay, your policy covers the rest, but no more than your limit. An agent can look at how the two policies fit together for your situation.
The policy does not pay to fix the borrowed car. It also excludes theft of that car, towing, and a rental while repairs happen.
25/50/25 is the most common state minimum, found in 19 states: $25,000 for each injured person, $50,000 as the crash total, and $25,000 to cover property damage. Every state’s minimum.
Common questions about non-owner car insurance
What is the least expensive non-owner car insurance?
On average across the country, GEICO offered the lowest yearly rate for most drivers: $458. USAA cost less, at $207 a year, but you can only buy it if you served in the military or are a close family member. The cheapest company varies from one state to the next.
Can you still get non-owner car insurance?
Yes. It is still sold by most of the major insurers, including GEICO, Progressive, Travelers, and Nationwide. Only in California does State Farm offer its version.
Can I get insurance for a car someone else registered?
A non-owner policy does not allow that. It insures you as a driver, not a specific car. If you almost always use the same car, request that the owner include you on their policy.
Get your non-owner quote by phone
A licensed agent takes your call, goes through how you drive for free, and finds you non-owner quotes right away.
Call 833-958-5598