120+ more){kind=small}
Co-hosts the Money Talks News podcast
MBA from Utah State University
Miranda is a financial writer and avid podcaster with nearly two decades of experience contributing to major outlets, including Forbes, The Hill, and NPR.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
Updated
Non-owner car insurance in Missouri provides liability coverage for licensed drivers who don’t own a vehicle. It typically follows the driver rather than a specific vehicle.
For example, if you live in Kansas City, Missouri, and regularly borrow a friend’s car, a non-owner insurance policy can provide additional liability protection if you cause an accident and the car owner’s policy doesn’t fully cover the damages.
Policies average $43 per month
Missouri generally doesn’t require you to buy non-owner car insurance when you have a driver’s license but don’t own a vehicle. That said, drivers must comply with the state’s financial responsibility requirements when operating a vehicle.
These are Missouri’s minimum car insurance requirements:[1]
$25,000 in bodily injury liability coverage per person
$50,000 in bodily injury liability coverage per accident
$25,000 in property damage liability coverage per accident
Missouri also requires auto liability policies to include at least $25,000 per person and $50,000 per accident in uninsured motorist coverage for bodily injury.
A non-owner policy can provide the state-required liability protection without covering a specific vehicle.
In Missouri, there’s no requirement for having non-owner insurance. But the state can require proof of financial responsibility after certain license suspensions or violations.[2] A non-owner policy may provide coverage when you don’t own a car.
Missouri drivers who might need this coverage include:
Drivers who frequently borrow cars: Non-owner coverage can provide additional liability protection when driving someone else’s vehicle.
Drivers who regularly rent cars: A non-owner policy can provide ongoing liability coverage rather than relying solely on the rental company’s insurance.
Drivers between vehicles: Maintaining continuous insurance coverage can prevent a coverage lapse while you’re shopping for your next car.
Drivers who need an SR-22 but don’t own a car: A non-owner policy can allow an insurer to file the required SR-22 while providing Missouri-required liability coverage.
Missouri’s relatively high uninsured motorist rate makes having adequate liability and uninsured motorist protection particularly important.
An SR-22 isn’t insurance. It’s a certificate your insurer files with the Missouri Department of Revenue showing that you carry the required liability insurance.[3] Missouri can require proof of financial responsibility following violations such as driving without insurance, suspensions for racking up a certain number of points, alcohol-related offenses (like driving while intoxicated), and accident judgments.
For accident-judgment suspensions or revocations, Missouri requires an SR-22 for two years from the effective date of the suspension or revocation. Some mandatory insurance cases require proof of insurance for three years from the date the driver becomes eligible for reinstatement.
If you don’t own a vehicle, you may be able to purchase a non-owner policy and have the insurer file an SR-22 with the state.
The filing itself isn’t what makes insurance expensive. The underlying violation can substantially increase Missouri car insurance rates because insurance companies may see you as a high-risk driver.
Non-owner car insurance in Missouri costs less than the national monthly average, according to Insurify data.
Non-Owner Car Insurance | Average Monthly Cost |
|---|---|
| Missouri average | $43 |
| National average | $46 |
Non-owner coverage is also significantly cheaper than a standard Missouri auto policy. Missouri drivers pay an average of $92 per month for liability-only insurance and $180 per month for full coverage, according to Insurify data.
Missouri non-owner insurance also costs less than in some nearby states. For example, Missouri’s average of $43 per month is slightly lower than Kentucky’s average of $45 per month.
Save on a non-owner policy
If you need non-owner insurance in Missouri, you can use these steps to find coverage that meets state requirements:
Decide how much coverage you need. Missouri requires at least 25/50/25 in liability coverage, but higher limits can provide greater financial protection after an accident.
Ask insurers about non-owner policies. Not every insurer advertises non-owner coverage online, so you may need to call the company or work with an insurance agent.
Mention an SR-22 requirement. If the Missouri Department of Revenue requires proof of financial responsibility, make sure the insurer can file an SR-22 with a non-owner policy.
Compare several quotes. Missouri’s average non-owner premium is $43 per month, according to Insurify data. But your actual rate depends on your age, driving record, coverage limits, and whether you have serious violations, so it’s important to compare quotes from several Missouri car insurance companies.
Missouri uses an electronic insurance verification system to confirm coverage, so maintaining continuous insurance is important if the state requires you to provide proof of financial responsibility.
Non-owner insurance can fill important coverage gaps for Missouri drivers who don’t own vehicles.
Generally, you need an insurable interest in a vehicle to insure it. But non-owner insurance can cover you as a driver when you occasionally drive borrowed or rented vehicles in Missouri.
Non-owner car insurance costs an average of $43 per month in Missouri, according to Insurify data. That’s slightly less than the national average of $46 per month. What you pay depends on your location, age, driving history, and other factors.
Missouri non-owner insurance generally provides liability protection when you cause an accident in a borrowed or rented vehicle, but it typically doesn’t provide collision or comprehensive coverage for the vehicle. You can ask for additional coverage, such as medical payments coverage, when you get car insurance quotes.
Insurify data scientists analyzed more than 250 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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Co-hosts the Money Talks News podcast
MBA from Utah State University
Miranda is a financial writer and avid podcaster with nearly two decades of experience contributing to major outlets, including Forbes, The Hill, and NPR.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
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.
