Non-Owner Car Insurance in Michigan (2026)
Non-owner car insurance provides coverage for people who drive frequently but don’t own a car. Auto-Owners, USAA, and GEICO are the best options in Michigan.
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Danny SmithInsurance Writer
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4+ years in content creation and marketing
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Sara GetmanAssociate Editor
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Reviewed byKatie Powers
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
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Non-owner car insurance provides liability coverage for drivers who don’t own a car. It’s a good option if you often borrow a friend’s car, drive a business’s car, or rent cars frequently. It’s cheaper than regular liability-only car insurance and much cheaper than standard full-coverage car insurance.[1]
Most car insurance companies offer non-owner policies, but it’s still important to compare car insurance quotes and companies to ensure you’re getting the best policy.
Here’s what you need to know about non-owner car insurance in Michigan.
Quick Facts
If you drive for business purposes, you need to carry an extended non-owners policy.
The national average cost of non-owner car insurance is $66 per month.
Non-owner policies don’t include collision and comprehensive coverage.
What is non-owner car insurance in Michigan, and who needs it?
Non-owner car insurance is car insurance for drivers without a car. It’s an insurance option for people who don’t own a vehicle but regularly drive someone else’s car. It meets Michigan’s minimum liability car insurance requirements, but it’s typically more limited than a standard liability-only auto insurance policy.
Michigan law requires all drivers to carry a minimum amount of coverage. Non-owner car insurance is one way to meet this requirement, and it makes sense if you don’t own a vehicle. Without car insurance, you can’t legally get behind the wheel.[2]
If the state suspends your driver’s license, you’ll likely need to carry SR-22 insurance to prove you have coverage. If you don’t own a car, non-owner car insurance is one of the only ways to fulfill this requirement.[3]
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Liability rates start as low as $68 per month
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Best non-owner car insurance companies in Michigan
The cost of non-owner car insurance varies based on numerous factors, including your age, location, driving record, and the auto insurance company you choose. There’s no one “best” car insurance company for everyone, as all drivers have unique characteristics and risk profiles.
This makes comparing car insurance companies and quotes crucial to find the best policy. Below are some of the top car insurance companies for non-owner insurance in Michigan.
Auto-Owners: Best for affordability
| User Reviews | 4.3 |
|---|---|
| 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. | 8.2 /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. | $45/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. | $87/mo |
4.3
Best choiceBased on 335 verified driver reviews and ratings
Auto-Owners's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 3.5 | 3.6 |
| Discounts | 3.6 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.5 | 2.9 |
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 150 Auto-Owners reviews
Verified Review
Reviewed in Nebraska on April 12, 2026
Not a local company anymore. I haven’t had a claim for years, and my insurance keeps going up.
Verified Review
Reviewed in Florida on April 4, 2026
Uneventful.
Verified Review
Reviewed in Missouri on March 22, 2026
Good, but I've never had a claim with them on this vehicle, and the rate has more than doubled. That's the reason for finding a cheaper policy.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
654NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Auto-Owners is one of the best non-owner car insurance companies in Michigan for drivers looking for affordable rates. The insurer has its headquarters in Michigan, making it a good option for drivers who want both affordable car insurance and local service. Auto-Owners also has various coverage and discount options, making it a well-rounded insurer.
Pros
Some of the cheapest rates in Michigan
AM Best financial strength rating of A++ (Superior)
Numerous local agents
Cons
Low Trustpilot rating
Below-average J.D. Power customer satisfaction rating in the North Central region
Coverage not available in every state
USAA: Best for military members and their families
| 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. | 9.1 /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. | $51/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. | $103/mo |
4.9
Best choiceBased on 3,607 verified driver reviews and ratings
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
How drivers feel about USAA
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.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 1,571 USAA reviews
Verified Review
Reviewed in Texas on May 11, 2026
Pretty good, but still way too expensive.
Verified Review
Reviewed in Colorado on May 11, 2026
For the most part, the insurance has been fine. It is difficult at times if you need to speak with a customer service rep, as the company relies on AI to try and resolve issues. Claims are hit or miss, and it seems that not all representatives provide the same quality of service. Rates have consistently increased regardless of any claims against your own account. There are very few discounts for customers that have been with them for years. Rates are 4-5 times higher than other insurance companies.
Verified Review
Reviewed in Texas on May 11, 2026
Completed a 5-year surcharge. Now I have accident forgiveness. To this day, I am unable to get a fair premium not only from my insurance company but any other carrier because they want to penalize me for the surcharge that I just completed.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
USAA is the best non-owner car insurance company in Michigan for active military members, veterans, and their families. It offers exclusive coverage and discounts to its members, making it one of the best car insurance options for the roughly 441,000 veterans living in Michigan. But if you’re not a military member or a family member of one, you won’t be able to get coverage.
Pros
Affordable rates
Exclusive discounts and coverages
AM Best financial strength rating of A++ (Superior)
Cons
Coverage is available only to military members and their families
Customer service isn’t available 24/7
Low Trustpilot rating
GEICO: Best for discounts
| 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. | 9.2 /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. | $80/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. | $148/mo |
4.0
Best choiceBased on 18,101 verified driver reviews and ratings
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.8 | 2.9 |
How drivers feel about GEICO
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.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 7,726 GEICO reviews
Verified Review
Reviewed in New Mexico on May 12, 2026
Excellent, I am on a budget so I need to save. If I weren’t on a budget, I wouldn’t be looking for a different insurance.
Verified Review
Reviewed in New Hampshire on May 12, 2026
So far, so good. The claims department has been helpful and easy to work with when submitting claims.
Verified Review
Reviewed in Kentucky on May 12, 2026
They provide the cheapest price for full coverage. I have had quotes from other insurance companies and they have been double the price. No one can beat Geico. Thanks Geico!
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
GEICO is the best company for non-owner car insurance in Michigan for drivers looking to take advantage of discounts. The insurance giant offers a whopping 24 discounts to drivers, one of the highest discount numbers in the industry. It’s also a reliable insurer, with excellent financial strength ratings and numerous insurance coverages.
Pros
Reasonable rates
Many discounts
AM Best financial strength rating of A++ (Superior)
Cons
Limited agent network
Low Trustpilot rating
Gap insurance not available
What non-owner car insurance covers in Michigan
Non-owner car insurance is essentially liability-only car insurance that’s not tied to a specific car. It meets Michigan’s minimum liability requirements, including both bodily injury liability coverage and property damage liability coverage. Non-owner insurance often includes other coverages like medical payments, personal injury protection, and uninsured motorist coverage.[4]
Bodily injury liability coverage
Bodily injury liability pays for the injuries and medical expenses of the other driver and their passengers after an accident.
Property damage liability coverage
Property damage liability pays for any vehicle damages you cause to another driver’s car in an accident, as well as for damages to someone else’s property, such as a fence.
Medical payments coverage
MedPay pays for you and your passengers’ medical expenses.
Personal injury protection
Personal injury protection is similar to medical payments and often covers expenses like lost income and funeral expenses.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage pays for damages caused by another driver who has insufficient or no car insurance coverage.
What non-owner car insurance doesn’t cover
Non-owner car insurance doesn’t cover damage to the vehicle you’re driving. It also doesn’t cover most extensions or add-on insurance coverages that can be included in normal policies.
Collision coverage: Collision insurance pays for your vehicle repair costs after an accident with another vehicle or object. It’s not included in a non-owner car insurance policy.
Comprehensive coverage: Comprehensive insurance pays for damages from things other than collisions, such as vandalism, theft, and severe weather. It’s also not included in non-owner car insurance policies.
Add-on coverages: Non-owner car insurance policies typically won’t cover extensions or add-on coverages that you might get with other insurance policies. This includes insurance coverages like roadside assistance, gap insurance, and rental car costs.
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Cost of non-owner car insurance in Michigan
Non-owner car insurance only provides liability coverage, meaning it won’t cover vehicle repairs. This makes non-owner auto insurance policies less expensive than a full-coverage policy, which provides coverage for collisions and other things, such as theft and vandalism.
The national average cost of non-owner car insurance is $66 per month, much less than the average costs of regular liability car insurance and full-coverage car insurance, at $130 and $227 per month, respectively.
It’s important to compare car insurance quotes from multiple insurance companies before settling on an auto insurance policy. It’s the best way to ensure you’re getting the best coverage at a reasonable price.
Non-owner car insurance in Michigan FAQs
Take a look at these answers to some of the most commonly asked questions about non-owner car insurance in Michigan.
Can you get car insurance on a car you don’t own in Michigan?
Yes. You can get car insurance on a car you don’t own in Michigan. This type of coverage is called non-owner car insurance, and it provides liability coverage that follows the driver, not the car.
Do you need non-owner car insurance to rent a car in Michigan?
You don’t necessarily need non-owner car insurance to rent a car in Michigan, but you do need some form of liability car insurance before you get behind the wheel. You can opt for non-owner car insurance, but rental companies already offer liability coverage for rental vehicles, so you likely won’t need an additional policy.
Do you need car insurance to drive a friend’s car in Michigan?
Yes. You need car insurance to drive a friend’s car in Michigan. You’ll have coverage under their auto insurance policy through what’s called “permissive use,” but you still need to carry your own insurance to drive legally.[2]
Where can you buy non-owner car insurance?
You can buy non-owner car insurance from just about any car insurance company. Some of the best non-owner car insurance companies in Michigan are Auto-Owners, USAA, and GEICO.
Sources
- Kelley Blue Book. "If I Don’t Have a Car, Do I Need Auto Insurance?."
- Department of Insurance and Financial Services. "Michigan Auto Insurance Law."
- Michigan Department of State. "Financial responsibility restricted licenses."
- III. "Auto insurance basics—understanding your coverage."
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Danny SmithInsurance Writer
Licensed auto and home insurance agent
4+ years in content creation and marketing
Featured in
Sara GetmanAssociate Editor
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in