Allstate non-owner insurance
What Allstate charges for non-owner car insurance, state by state, who can buy it, and how to get a quote.
Averages at the state minimum for a 40-year-old driver who has no tickets and no claims, drawn from the study.
- $69 a monthUS average, or $826 a year
- $61 a monthlowest state, Kentucky, at $730 a year
- $77 a monthhighest state, North Carolina, at $919 a year
- 2 states pricedfrom the rate study
Who can get a non-owner policy from Allstate?
- This coverage suits you when your household has no car (yours or a housemate's) and you regularly use a borrowed, rented, or shared car, or your state demands an SR-22 before you may drive again.
- If you own a car, this policy is not right for you (your own insurance covers you), and it also does not fit when you live with the person whose car you drive (instead, ask to be added to their policy).
Unsure whether it works for your situation? Answer three quick questions.
Can you get an SR-22 through Allstate with a non-owner policy?
An SR-22 is paperwork your insurance company sends to the state as proof of the minimum coverage the law requires. Most drivers without a car get one through a non-owner policy. The call you make before purchasing confirms if Allstate files the form in your state under a non-owner policy, and the speed of that filing.
- Massachusetts, New Jersey, New York, Oklahoma, and West Virginia do not use an SR-22: the page for each state explains what proof is needed there.
- After a DUI, Florida and Virginia require an FR-44, which calls for higher coverage than an SR-22.
What Allstate may cost after a ticket, an accident, or a DUI
- +20%After one speeding ticket: roughly $83 a month, up from $69.
- +60%After one at-fault crash: roughly $110 a month, up from $69.
- +78%After a DUI (a charge for drunk driving): roughly $123 a month, up from $69.
These are estimates, not Allstate’s own numbers: they take the typical increase across all insurers and use it on Allstate’s US average. Allstate's increase may not match; the source of these figures.
Want your own Allstate price? Call 833-958-5598 and a licensed agent gets you an Allstate non-owner quote for your state, next to the other companies that sell it there.
Allstate states that a non-owner car insurance policy can cost less than a standard auto policy, particularly for people who do not own a vehicle. The person who sells it to you is an Allstate agent.
How much does Allstate charge?
For a driver aged 40 with a clean record who buys the state minimum, its national average came to $826 a year, or about $69 each month. Figures came from two states: a yearly rate of $730 in Kentucky and $919 in North Carolina.
Where it stands next to others
Among the eight companies studied, Allstate's yearly national average of $826 was the most expensive, and prices were listed for only two states. Request at least one extra quote so you can weigh your options.
Steps to buy Allstate non-owner insurance
Non-owner policies are sold by phone or through an agent, not online. Call Allstate, or call us and a licensed agent compares Allstate with the other companies that sell in your state.
How Allstate measures up against other non-owner insurers
| Company | A year | A month |
|---|---|---|
 USAAmilitary families | $207 | $17 |
 GEICO | $458 | $38 |
 Travelers | $464 | $39 |
 State Farm | $555 | $46 |
 Farmers | $615 | $51 |
 Progressive | $708 | $59 |
 Nationwide | $758 | $63 |
| Allstate | $826 | $69 |
Yearly US averages from the rate study, ordered from lowest to highest; Allstate appears in bold. USAA sells only to military families.
Allstate pricing from state to state
| State | Per year | Per month |
|---|---|---|
| Kentucky | $730 | $61 |
| North Carolina | $919 | $77 |
For a 40-year-old buying the state minimum with no tickets or accidents, Allstate's average annual charge, from the cheapest state upward.
Common questions about Allstate non-owner insurance
Does Allstate offer a non-owner car insurance policy?
Yes. Depending on your state, the study found annual costs between $730 and $919.
Is Allstate's non-owner policy secondary coverage?
Yes, just like any non-owner policy. Payment starts with the car owner's coverage, and your policy kicks in after their limits run out.
Compare Allstate with other non-owner quotes
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