Farmers non-owner insurance
What Farmers charges for non-owner car insurance, state by state, who can buy it, and how to get a quote.
For a driver who is 40, carries the state minimum, and has no tickets or claims, these are study averages.
- $51 a monthUS average, or $615 a year
- $22 a monthlowest state, Massachusetts, at $267 a year
- $162 a monthhighest state, Connecticut, at $1,938 a year
- 26 states pricedfrom the rate study
Who can get Farmers non-owner coverage?
- It works when your home has no car (yours or a roommate's) and you drive borrowed, rented, or shared cars a lot, or when your state needs an SR-22 form before you can get back on the road.
- It is not for you if you have your own car (your auto policy already protects you), or if the person whose car you use lives with you (get added to their policy instead).
Can you add an SR-22 to a Farmers non-owner policy?
Your insurer sends the state an SR-22 form to prove you carry at least the minimum coverage. Most drivers who do not own a car obtain one through a non-owner policy. Before you purchase, the call lets you confirm if Farmers will submit the form with a non-owner policy where you live, and how quickly.
- Massachusetts, New Jersey, New York, Oklahoma, and West Virginia skip the SR-22. Each state page lists the proof they want instead.
- After a DUI, Florida and Virginia call for an FR-44. That form needs more coverage than an SR-22.
Estimated price at Farmers after a ticket, accident, or DUI
- +20%After one speeding ticket, the amount shifts to about $62 monthly, up from $51.
- +60%A crash you caused: about $82 a month, up from $51.
- +78%One drunk-driving charge (DUI) brings it to about $91 a month, rather than $51.
These are estimates, not figures from Farmers itself: industry-wide average increases, placed on top of Farmers's US average. Farmers's specific rate hike could be different; see the source for these projections.
Want your own Farmers price? Call 833-958-5598 and a licensed agent gets you a Farmers non-owner quote for your state, next to the other companies that sell it there.
For homes that do not have a vehicle, Farmers sells non-owner car insurance. A Farmers agent sells it to you.
What are Farmers's rates?
Across the country, Farmers averaged $615 a year, roughly $51 each month, for a driver who is 40, has a clean record, and carries the state minimum. By state, Farmers's cheapest average was Massachusetts ($267 a year), and the most expensive was Connecticut ($1,938).
A look at how it compares
Farmers's countrywide average was $615 a year--higher than both GEICO and Travelers. The company's cheapest state averages appeared in Massachusetts and California.
Ways to get non-owner insurance with Farmers
Non-owner policies are sold by phone or through an agent, not online. Call Farmers, or call us and a licensed agent compares Farmers with the other companies that sell in your state.
How Farmers compares to other non-owner companies
| 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, sorted low to high; Farmers appears in bold. Only families with a military connection may buy from USAA.
What Farmers charges in every state
| State | Per year | Per month |
|---|---|---|
| Massachusetts | $267 | $22 |
| California | $339 | $28 |
| Montana | $421 | $35 |
| Wyoming | $452 | $38 |
| Idaho | $454 | $38 |
| New Mexico | $480 | $40 |
| Kansas | $560 | $47 |
| Ohio | $567 | $47 |
| Iowa | $592 | $49 |
| Tennessee | $614 | $51 |
| Texas | $615 | $51 |
| Wisconsin | $618 | $52 |
| Washington | $625 | $52 |
| Arkansas | $643 | $54 |
| Oklahoma | $670 | $56 |
| Indiana | $677 | $56 |
| Colorado | $697 | $58 |
| Alabama | $707 | $59 |
| Arizona | $713 | $59 |
| Utah | $810 | $68 |
| New Hampshire | $845 | $70 |
| Oregon | $871 | $73 |
| Nevada | $1,041 | $87 |
| Rhode Island | $1,217 | $101 |
| Virginia | $1,680 | $140 |
| Connecticut | $1,938 | $162 |
The yearly average from Farmers, from cheapest state up, for a driver age 40 who is ticket- and accident-free and buys the state minimum.
What people often ask about Farmers non-owner policies
Is non-owner auto insurance available from Farmers?
Yes. Depending on the state, yearly prices in the rate study ran from $267 up to $1,938.
When you buy non-owner insurance from Farmers, is it secondary coverage?
Yes, and the same is true for any non-owner policy. The car owner’s coverage pays first; your policy kicks in after their limits run out.
Compare Farmers 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