Cheapest non-owner car insurance
Choose your state to see the non-owner car insurance company that charges the least there.
These are study prices, not quotes: a driver aged 40, a clean record, the state-minimum policy.
- $38 a monthGEICO's US average is $458 a year, the lowest of the companies anyone can buy from
- $18 a monthSouth Dakota, the lowest state average, counting every company
- $95 a monthNew Jersey, the highest state average, counting every company
Find your state below, or call 833-958-5598 and a licensed agent compares these companies for you.
| State | Cheapest companyCompany | Per yearPrice | Per month | State average |
|---|---|---|---|---|
| Alabama |  Auto-Owners | $203 a year$17 a monthThe state average is $469. | $17 | $469 |
| Alaska |  GEICO | $204 a year$17 a monthThe state average is $296. | $17 | $296 |
| Arizona | GEICO | $387 a year$32 a monthThe state average is $652. | $32 | $652 |
| Arkansas | Auto-Owners | $98 a year$8 a monthThe state average is $440. | $8 | $440 |
| California |  AAA | $269 a year$22 a monthThe state average is $500. | $22 | $500 |
| Colorado | Auto-Owners | $141 a year$12 a monthThe state average comes to $506. | $12 | $506 |
| Connecticut |  State Farm | $424 a year$35 a monthThe state average is $1,054. | $35 | $1,054 |
| Delaware |  Travelers | $275 a year$23 a monthThe state average is $936. | $23 | $936 |
| Florida |  AIG | $257 a year$21 a monthThe state average is $668. | $21 | $668 |
| Georgia | Auto-Owners | $125 a year$10 a monthThe state average is $510. | $10 | $510 |
| Hawaii | GEICO | $407 a year$34 a monthThe state average is $389*. | $34 | $389* |
| Idaho | Auto-Owners | $64 a year$5 a monthThe state average is $297. | $5 | $297 |
| Illinois | Auto-Owners | $124 a year$10 a monthThe state average is $518. | $10 | $518 |
| Indiana | Auto-Owners | $83 a year$7 a monthThe state average is $320. | $7 | $320 |
| Iowa | Auto-Owners | $72 a year$6 a monthThe average for the state is $280. | $6 | $280 |
| Kansas | GEICO | $141 a year$12 a monthThe average for the state is $408. | $12 | $408 |
| Kentucky | Auto-Owners | $105 a year$9 a monthThe average for the state is $499. | $9 | $499 |
| Louisiana |  Southern Farm Bureau | $57 a year$5 a monthThe average for the state is $410. | $5 | $410 |
| Maine | GEICO | $131 a year$11 a monthThe average for the state is $271. | $11 | $271 |
| Maryland | GEICO | $169 a year$14 a monthThe average for the state is $516. | $14 | $516 |
| Massachusetts |  Farmers | $267 a year$22 a monthThe average for the state is $686. | $22 | $686 |
| Michigan | Auto-Owners | $506 a year$42 a monthThe average for the state is $855. | $42 | $855 |
| Minnesota | Auto-Owners | $117 a year$10 a monthThe average for the state is $352. | $10 | $352 |
| Mississippi |  Shelter | $143 a year$12 a monthThe average for the state is $474. | $12 | $474 |
| Missouri | Auto-Owners | $172 a year$14 a monthThe average for the state is $346. | $14 | $346 |
| Montana | State Farm | $210 a year$18 a monthThe average for the state is $412. | $18 | $412 |
| Nebraska | Auto-Owners | $103 a year$9 a monthThe average for the state is $402. | $9 | $402 |
| Nevada | GEICO | $304 a year$25 a monthThe average for the state is $823. | $25 | $823 |
| New Hampshire |  MMG | $99 a year$8 a monthThe average for the state is $437. | $8 | $437 |
| New Jersey | Travelers | $528 a year$44 a monthThe average for the state is $1,141. | $44 | $1,141 |
| New Mexico |  Central | $204 a year$17 a monthThe average for the state is $413. | $17 | $413 |
| New York |  NYCM | $299 a year$25 a monthThe average for the state is $606. | $25 | $606 |
| North Carolina | State Farm | $431 a year$36 a monthThe state average is $681. | $36 | $681 |
| North Dakota | Auto-Owners | $153 a year$13 a monthThe state average is $353. | $13 | $353 |
| Ohio | Auto-Owners | $71 a year$6 a monthThe state average is $291. | $6 | $291 |
| Oklahoma |  Progressive | $319 a year$27 a monthThe state average is $477. | $27 | $477 |
| Oregon | State Farm | $365 a year$30 a monthThe state average is $644. | $30 | $644 |
| Pennsylvania |  Westfield | $140 a year$12 a monthThe state average is $279. | $12 | $279 |
| Rhode Island | State Farm | $274 a year$23 a monthThe state average is $511. | $23 | $511 |
| South Carolina | Auto-Owners | $100 a year$8 a monthThe state average is $448. | $8 | $448 |
| South Dakota | GEICO | $114 a year$10 a monthThe state average is $216. | $10 | $216 |
| Tennessee | Auto-Owners | $76 a year$6 a monthThe state average is $507. | $6 | $507 |
| Texas | State Farm | $375 a year$31 a monthThe state average is $564. | $31 | $564 |
| Utah | Auto-Owners | $139 a year$12 a monthThe state average is $658. | $12 | $658 |
| Vermont |  Vermont Mutual | $268 a year$22 a monthThe state average is $460. | $22 | $460 |
| Virginia | Travelers | $375 a year$31 a monthThe state average is $549. | $31 | $549 |
| Washington |  PEMCO | $128 a year$11 a monthState avg $516 | $11 | $516 |
| Washington, DC | GEICO | $246 a year$21 a monthThe state average is $661. | $21 | $661 |
| West Virginia |  Erie | $238 a year$20 a monthThe state average is $442. | $20 | $442 |
| Wisconsin | GEICO | $156 a year$13 a monthThe state average is $398. | $13 | $398 |
| Wyoming |  American National | $184 a year$15 a monthThe state average is $270. | $15 | $270 |
The figures are from a study of a 40-year-old who has no tickets or accidents and buys the state minimum, not quotes. We list the company with the lowest price open to all drivers; USAA, which serves only military families, appears later. * The state average includes USAA, and in that state its low rate brings the average under the cheapest company available to everyone.
These policies cover drivers who do not own a car; if you live with a car owner, being put on their plan is often a better choice (find out which option fits you).
Which company has the lowest price in the greatest number of states?
- Auto-Owners is cheapest in 18 states.
- GEICO is cheapest in 9 states.
- State Farm is cheapest in 6 states.
- Travelers is cheapest in 3 states.
Out of the 50 states, Auto-Owners operates in 20 and offers the lowest price in 18 of those. The lowest average throughout the whole US, $458 a year, belongs to GEICO, which was quoted in 49 states. Both statements are correct: the first looks at how many states, the second at the countrywide average.
Non-owner insurance companies with the lowest prices across the US
| 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 insurance.com rate survey, with the cheapest listed first. USAA is open only to military families. That survey does not include Dairyland; see Dairyland prices by state.
Per the rate study, GEICO offered the cheapest non-owner car insurance in the US for most drivers: $458 a year, roughly $38 a month. Travelers came next, at $464. In many states, another company costs less; the table by state shows the cheapest one in each.
Is USAA the lowest-priced option?
USAA's yearly average of $207 is less than half the national average. Because only military members, veterans, and their families can purchase it, the table lists the lowest-cost company that anyone can use; every state page also shows what USAA charges there. If you qualify, get a USAA quote first.
Where rates are the lowest
For each state, the table shows only the single cheapest company, so its rates sit far below that state's overall average. Across all companies in the study, the state average is lowest in South Dakota at $216 a year, and highest in New Jersey at $1,141. The $57 price from local Southern Farm Bureau makes Louisiana look cheap in the table, though the average for the state across all companies is $410. The price depends more on the state you live in than on the large company you choose.
Getting the lowest possible price
Because the cheapest company changes from state to state, collect prices from at least three companies. Getting one speeding ticket adds roughly 20% to your price, so keep your record clean. Also, purchase only the limits you need; the state minimum costs the least.
Getting prices usually means calling or going through an agent, because most insurers do not sell non‑owner policies online. You can get quotes from several companies at once with one call to an agent.
What people ask about low-cost non-owner insurance
What company has the lowest-cost non-owner car insurance?
For most drivers across the country, GEICO is the cheapest at $458 a year. USAA is available to military families for $207. The lowest-priced company changes from state to state, so check where you live.
Can you buy low-cost non-owner insurance online?
Usually, the answer is no. To get non-owner car insurance, you call or work with an agent instead of buying on the web.
Is non-owner insurance cheaper than a standard auto policy?
Yes, it is. A non-owner policy cost less at every large insurer in the study than a policy meeting just the state minimums. A year of coverage through GEICO came to $458, compared with $539.
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