GEICO non-owner insurance
See GEICO's non-owner car insurance prices by state, find out who can buy it, and learn how to ask for a quote.
The rates shown are study averages for a 40‑year‑old driver who picks the state minimum, with no claims or tickets.
- $38 a monthUS average, or $458 a year
- $10 a monthlowest state, South Dakota, at $114 a year
- $89 a monthhighest state, Massachusetts, at $1,066 a year
- 49 states pricedfrom the rate study, with Ohio by phone
Who qualifies for a GEICO non-owner policy?
- A non-owner policy is right for you if no car stays at your home (not yours, not a housemate’s) and you frequently drive borrowed, rented, or shared vehicles, or your state asks for an SR-22 before you get back behind the wheel.
- It does not match your situation if you own a car (your policy already protects you), or if you live with the person who owns the vehicle you drive (ask to be put on their policy instead).
With non-owner insurance, will GEICO provide an SR-22?
An SR-22 is a filing from your insurer telling the state that you carry the minimum coverage required. Most drivers who lack their own car get one through a non-owner policy. The call before you buy checks whether GEICO will file it in your state alongside a non‑owner policy, plus the speed of filing.
- Massachusetts, New Jersey, New York, Oklahoma and West Virginia do not use an SR-22; see each state page for the alternate proof they require.
- After a DUI, Florida and Virginia require an FR-44, which demands more coverage than an SR-22.
What GEICO may charge after a ticket, a crash, or a DUI
- +20%If you have one speeding ticket, expect about $46 a month rather than $38.
- +60%One at-fault crash raises the monthly cost to roughly $61 instead of $38.
- +78%For a DUI (drunk-driving charge), the average climbs to about $68 a month, up from $38.
They are not GEICO's own figures: the industry-wide average increase was applied to GEICO's US average to produce these estimates. GEICO's increase could vary; where those estimates come from.
Want your own GEICO price? Call 833-958-5598 and a licensed agent gets you a GEICO non-owner quote for your state, next to the other companies that sell it there.
As GEICO puts it, non-owner car insurance offers liability‑only protection for people who drive cars they borrow, rent, or share. It turned up in more state rate reports with a non-owner price than any other big insurer.
How much does GEICO cost?
GEICO's national average came to $458 a year (about $38 a month) for a 40‑year‑old driver with no tickets or claims who selects the state minimum. Its cheapest state average was in South Dakota, where it ran $114 a year, and its most expensive was in Massachusetts at $1,066.
Who the policy fits
For most drivers, starting with a GEICO quote is a smart move. Among companies open to all buyers, its national average was the lowest.
GEICO's US average, $458 a year, is the lowest of the 7 companies anyone can buy from. USAA is lower at $207, but it sells only to military families, and in some states another company charges less than GEICO.
It does not suit you if you own a car. It also does not suit you if the car you drive belongs to someone in your home; in either case, ask to be listed on that policy instead.
How to buy GEICO non-owner insurance
Non-owner policies are sold by phone or through an agent, not online. Call GEICO, or call us and a licensed agent compares GEICO with the other companies that sell in your state.
GEICO beside 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, sorted cheapest first; GEICO appears in bold. Buying from USAA is limited to military families.
GEICO rates state by state
Across 49 states, GEICO was included in the price comparison. You can also get a non-owner policy from GEICO in Ohio, but the cost is given by an agent over the phone.
| State | Per year | Per month |
|---|---|---|
| South Dakota | $114 | $10 |
| Maine | $131 | $11 |
| Kansas | $141 | $12 |
| Wisconsin | $156 | $13 |
| Nebraska | $164 | $14 |
| Maryland | $169 | $14 |
| North Dakota | $169 | $14 |
| Idaho | $174 | $15 |
| Georgia | $180 | $15 |
| Alaska | $204 | $17 |
| New Hampshire | $218 | $18 |
| New Mexico | $229 | $19 |
| Kentucky | $232 | $19 |
| Missouri | $260 | $22 |
| Louisiana | $276 | $23 |
| West Virginia | $281 | $23 |
| Nevada | $304 | $25 |
| Wyoming | $316 | $26 |
| South Carolina | $333 | $28 |
| Pennsylvania | $342 | $29 |
| Montana | $349 | $29 |
| New York | $350 | $29 |
| Oklahoma | $355 | $30 |
| Iowa | $381 | $32 |
| Indiana | $383 | $32 |
| Arizona | $387 | $32 |
| Rhode Island | $388 | $32 |
| Utah | $406 | $34 |
| Hawaii | $407 | $34 |
| Tennessee | $418 | $35 |
| Minnesota | $444 | $37 |
| Florida | $470 | $39 |
| Illinois | $476 | $40 |
| Colorado | $494 | $41 |
| Arkansas | $500 | $42 |
| Oregon | $521 | $43 |
| Alabama | $525 | $44 |
| Connecticut | $537 | $45 |
| California | $564 | $47 |
| Vermont | $608 | $51 |
| Washington | $639 | $53 |
| New Jersey | $663 | $55 |
| Virginia | $769 | $64 |
| Mississippi | $771 | $64 |
| Delaware | $774 | $65 |
| Texas | $798 | $67 |
| Michigan | $976 | $81 |
| North Carolina | $1,028 | $86 |
| Massachusetts | $1,066 | $89 |
| Ohio | Price by phone | |
GEICO's average annual price per state, from least expensive up, for a driver age 40 with no tickets or accidents, carrying the state minimum.
Common questions about GEICO non-owner insurance
Can you get non-owner car insurance through GEICO?
Yes. Depending on your state, the price study found yearly costs from $114 to $1,066.
Is GEICO non-owner insurance secondary coverage?
Yes, it works like any other non-owner policy. The car owner’s insurance pays out first, and your own policy takes over once those limits are used up.
Compare GEICO 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