120+ more*Quotes generated for Insurify users within the last 10 days. Last updated on June 11, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on June 11, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Julia Taliesin is an insurance content writer at Insurify. She began her career as a journalist, covering local government and business in Somerville, Mass.
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10+ years in insurance and personal finance content
30+ years in media, PR, and content creation
Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
If you drive someone else’s car regularly, you may want to consider purchasing non-owner car insurance. This type of insurance provides liability coverage when you get into an accident while operating a vehicle you don’t own. Whether you need non-owner car insurance depends on a variety of factors, including the car owner’s insurance policy and how often you drive their vehicle.
Many insurance companies offer non-owner policies, so it’s important to compare quotes from multiple insurers to find the best price.
A non-owner policy covers only damage and injuries you cause.
State Farm and American Family are among the best companies offering this coverage.
Even if you don’t drive often, non-owner car insurance provides continuous coverage to help you avoid gaps in your insurance history.
The average cost of non-owner car insurance is cheaper than typical car insurance. It’s about 37% less than liability-only insurance and 69% less than full-coverage car insurance, according to Insurify data.
Non-owner car insurance is cheaper because it only covers your liability for injuries and property damage you cause while driving a car you don’t own. These are the average monthly non-owner car insurance quotes for 11 major United States insurers.
Insurance Company  | Average Monthly Quote |
|---|---|
| USAA | $29 |
| State Farm | $34 |
| GEICO | $35 |
| Allstate | $40 |
| Progressive | $52 |
| American Family | $49 |
| Nationwide | $54 |
| Travelers | $57 |
| Liberty Mutual | $61 |
| Farmers | $70 |
| The General | $74 |
State laws require drivers to have a minimum amount of liability coverage in every state but New Hampshire. The best companies for non-owner car insurance have competitive premiums, good customer satisfaction ratings, and multiple discount options.
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $71/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $150/mo |
Drivers appreciate the fast claims processing and good initial rates but dislike the consistent rate increases and poor communication from agents.
Drivers appreciate the fast claims processing and good initial rates but dislike the consistent rate increases and poor communication from agents.
Richard
May 8, 2025
American Family Insurance
Scott
May 5, 2025
Check the Fine Details
Matt
April 26, 2025
Pricing Themselves Out of Customers!
American Family offers the most discounts among national insurers, with diverse ways to save and lower your premiums. Its non-owner auto coverage rates are below average, and you can save more by enrolling in auto pay or paying your premium up front. You can access classic options like multi-vehicle, bundling, and good driving discounts, as well as discounts for loyalty and being a legacy policyholder. Young drivers can also save with good grades and volunteer work.
High customer satisfaction ratings
18 discounts
Numerous coverage options
Only available in 19 states
Moderate rates compared to other insurers
Some people report negative experiences with agents
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $55/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $117/mo |
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Jim
June 11, 2025
Question answered
Jessica
June 9, 2025
No Money Saved
Vicki
June 9, 2025
State Farm
State Farm has the most widely available competitive non-owner rate for drivers with an incident on their records, according to Insurify data. Even with State Farm’s average 55% rate increase following a DUI, its non-owner insurance rates are below the national average. State Farm can also file an SR-22 form on your behalf to help reinstate lost driving privileges. Higher-risk drivers can lower premiums by taking defensive driving courses and staying accident-free for three years.
High J.D. Power customer satisfaction ratings
Personal mobility and rideshare insurance
More than 10 available discounts
May not be the cheapest option for drivers with poor credit
No gap insurance
Average credit and financial strength ratings
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $127/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $155/mo |
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
William
June 10, 2025
There was no problem. If I had a problem or a question, it was rectified. Howard, who was our service representative, was helpful. My son is the reason I don't have it now.
Peter
June 8, 2025
Average Insurance. Constant Price Hikes.
Philip
June 5, 2025
High Price for Full Coverage
Young drivers face higher premiums, but the percentage of GEICO’s rate increase for drivers in their teens and 20s is below average, according to Insurify data. That means GEICO’s non-owner rates for young drivers are still below the national average. The insurer offers 16 car insurance discounts, including driver’s education, good student, and good driver discounts. Drivers can also save by bundling auto and renters policies, and they can do it all using GEICO’s highly rated mobile app.
Available in all 50 states and Washington, D.C.
24/7 online customer service
Highest credit and financial strength ratings
No gap insurance
Limited agent network
Average J.D. Power claims satisfaction ratings
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $48/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $99/mo |
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
Timothy
June 10, 2025
The Old Bait and Switch
Norman
June 7, 2025
USAA Value
Cornelius
June 2, 2025
Good
USAA has the cheapest non-owner insurance rates, but they’re not available to everyone. USAA exclusively insures members of the military and their immediate families in all 50 states. It ranks highly in customer satisfaction, financial strength, and credit ratings. USAA offers numerous types of insurance, so members can save by bundling multiple policies. Drivers can save with various discounts, including up to 15% for garaging your car on a military base.
Significant discounts for safe driving
Convenient, highly rated app
Consistently low rates
Only available to military members and their families
No 24/7 phone support
Mixed reviews for service and claims processing
Non-owner car insurance is an insurance policy that covers the driver, not a specific vehicle. Policies typically meet your state’s minimum coverage requirements, though you can purchase extra protection. Non-owner insurance provides bodily injury and property damage liability coverage when you cause an accident and may also include personal injury protection or uninsured motorist coverage.
Bodily injury liability covers injuries you cause to someone else up to your policy’s limits. You can opt for more than the state minimum to better protect personal assets if you’re sued.
Property damage liability covers damage you cause to someone else’s property, including cars, fences, buildings, and other structures.
Personal injury protection covers injuries to you and your passengers while you’re driving. It can cover medical bills, lost wages, and funeral costs.
This coverage reimburses you if an uninsured driver hits you or the driver’s insurance doesn’t cover the damages. It can also pay for damages from a hit-and-run accident.
Minimum coverage starts at $18/mo.
Non-owner car insurance doesn’t cover damage to the vehicle you’re driving — only your liability for damage you cause to others or their property. The following scenarios outline what non-owner insurance doesn’t cover.
Your rental car is damaged in a collision. Non-owner insurance doesn’t include collision insurance or cover damage to the vehicle, no matter who caused the car accident. You can purchase a collision damage waiver from the rental company for coverage.
A flood damages your friend’s car while you’re driving. Comprehensive coverage reimburses vehicle owners for damage from severe weather. The car owner’s policy would have to cover this type of damage because your non-owner insurance policy won’t include it.
You’re injured when you crash into a tree. Your non-owner insurance will cover any property damage you cause, but it won’t cover your medical expenses unless you’ve purchased personal injury protection. It also won’t cover damage to the vehicle.
Depending on your situation, non-owner car insurance could be a good idea, but it might not always be necessary. Here are some scenarios when it might make sense to buy non-owner coverage.
You borrow vehicles frequently. If you often borrow a friend’s car or drive a family member’s vehicle, it’s a good idea to purchase non-owner insurance coverage.
You often rent vehicles or use car-shares. Non-owner car insurance is also a good option if you often rent cars or use a car-sharing service like Zipcar.
You want additional coverage to protect yourself. If you drive a vehicle you don’t own, you don’t have as much control over the vehicle’s liability policy coverage limits. A non-owner insurance policy can better protect your financial interests.
You have a driver’s license but don’t drive. Even if you have no plans to drive someone else’s car, a non-owner car insurance policy can prevent gaps in your insurance history by letting you maintain continuous coverage. For example, if you get a car in the future and insure it, this continuous coverage will help keep your insurance costs lower than if you weren’t insured before.
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Courtney Mikulski
Senior Editor, Auto, Insurify
“I didn’t have a car for two years, and that lapse in coverage made my rates really high when I was ready to buy insurance again. I ended up having to stay on my parents’ insurance and pay them the rate difference. If I’d bought non-owner car insurance, I could have avoided that situation.”
Non-owner car insurance isn’t the right coverage in every situation. If you have your own vehicle, you’ll likely need a standard car insurance policy. Here’s when you should consider another option.
Someone in your household has car insurance. If the car you regularly drive belongs to someone you live with, they can name you as an additional insured on their policy.
You don’t have a license. You don’t need any form of insurance if you don’t have a license because you’re not driving. It’s illegal in every state to drive a vehicle without a valid license.
You rarely drive. If you’re only renting or using car-share services once in a while, it may be more cost-effective to buy rental car insurance through the company.
Insurify partners with 120+ insurers to show you the most accurate rates
If you have more questions about non-owner car insurance, check out Insurify’s guides on liability insurance and how to get car insurance without a driver’s license.
In theory, it’s sometimes possible to insure a vehicle that’s not in your name. But in practice, it depends on your specific insurer, and not all insurers allow drivers to do so. In most cases, the car’s owner must purchase an insurance policy to register and operate the vehicle. As a non-owner, you can purchase a non-owner insurance policy if you drive the car infrequently.
The average monthly cost of a liability-only policy is $170, Insurify data shows. But your rates may vary based on your unique situation, including your driving history, where you live, and more.
Many online quote processes require a vehicle’s information, so you may have to call an insurance company representative or agent directly to get a quote and purchase a policy. Compare quotes to find the best deal on your ideal coverage.
The owner of any car you drive should have an insurance policy to cover it. But if you want continuous insurance coverage on your record and additional protection when you borrow someone’s car, you can purchase a non-owner policy.
In most cases, your work’s commercial auto insurance policy should cover employees while driving for work. But if you’re using a work vehicle for a personal errand, the policy may not cover any damages or injuries you cause while driving it. You should check with your employer to make sure that you have the right type of coverage for your situation. If you work as a rideshare driver or delivery driver, you’ll need additional coverage because your personal policy won’t provide the coverage you need.
Non-owner car insurance is an optional type of coverage, and no state has specific requirements for it. But some drivers have to purchase non-owner SR-22 insurance if they’re high-risk drivers with multiple or serious violations on their record.
Non-owner SR-22 insurance is similar to a non-owner insurance policy. It’s for drivers who don’t own a vehicle but still need to file an SR-22 with their state. Drivers with a DUI or other serious violation have to file an SR-22 or FR-44 to prove that they meet the state’s minimum car insurance requirements. An SR-22 isn’t insurance; it’s a form your insurance company files with the state on your behalf. You may need it even if you don’t currently have a car.
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Julia Taliesin is a data journalist at Insurify. She began her career as a journalist, covering local government and business in Somerville, Mass. She reported multiple investigative stories about municipal finances and budget allocation, building development and inspection, and personnel. When the pandemic began she became a de facto public health reporter, writing daily and weekly reports using available data to quickly communicate rates of infection and city response.
She's worked for print and digital outlets, writing everything from quick-hit breaking news to long-form community features. More recently, Julia managed content strategy at a startup creating a social platform for licensed nurses, overseeing a team of nurse freelancers and editing interview transcripts and news articles for publication.
She holds a Bachelor's degree in communications from Simmons University, with a focus in journalism. Outside of work, Julia enjoys working on crafting projects, learning about homesteading, and singing in cover bands.
10+ years in insurance and personal finance content
30+ years in media, PR, and content creation
Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.
Featured in
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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