Nationwide non-owner insurance
What Nationwide charges for non-owner car insurance, state by state, who can buy it, and how to get a quote.
Averages from the study are for a driver age 40 who has a clean record (no tickets, no claims) and buys only the state minimum.
- $63 a monthUS average, or $758 a year
- $29 a monthlowest state, South Dakota, at $348 a year
- $131 a monthhighest state, Delaware, at $1,575 a year
- 22 states pricedfrom the rate study
Who can buy a non-owner policy from Nationwide?
- A non-owner policy works when no car is kept at your address (not yours and not a housemate's) and you regularly drive borrowed, rented, or shared vehicles, or when your state requires an SR-22 before you get back behind the wheel.
- This coverage won't work if you have your own car (your personal policy covers you) or you share a home with the person who owns the car you drive (ask to be added to their policy instead).
Can you get an SR-22 with a Nationwide non-owner policy?
An SR-22 is a paper your insurance company submits to the state to show the minimum coverage is in place. For drivers without their own car, a non-owner policy is the most common path to getting one. On the phone before you commit, you will learn if Nationwide submits one with a non-owner policy for your state and the timeline involved.
- Massachusetts, New Jersey, New York, Oklahoma and West Virginia do not use an SR-22; check each state page for the proof they accept instead.
- In Florida and Virginia, a DUI leads to an FR-44 filing, and that form calls for more coverage than an SR-22.
What you might pay at Nationwide after a ticket, a crash, or a DUI
- +20%After one speeding ticket, expect roughly $76 a month instead of $63.
- +60%After one at-fault crash, expect roughly $101 a month instead of $63.
- +78%After a DUI (drunk-driving charge), expect roughly $112 a month instead of $63.
These are estimates, not figures from Nationwide: they apply the average increase seen across all insurers to Nationwide's US average. Nationwide’s increase could be different; where these figures come from.
Want your own Nationwide price? Call 833-958-5598 and a licensed agent gets you a Nationwide non-owner quote for your state, next to the other companies that sell it there.
Nationwide states that a non-owner auto policy is liability coverage, paying for expenses you may be required to cover. The company also says these policies can include extra protection, like uninsured motorist coverage.
What are Nationwide's prices?
The company's national average for a 40-year-old with a clean record who picks the state minimum was $758 a year, roughly $63 a month. State averages ranged from a low of $348 a year in South Dakota to a high of $1,575 in Delaware.
Comparison with others
Nationwide’s yearly national average came to $758, a price that sat at the higher end of the study’s range. Its lowest state averages were found in South Dakota and Idaho.
How to buy Nationwide non-owner insurance
Non-owner policies are sold by phone or through an agent, not online. Call Nationwide, or call us and a licensed agent compares Nationwide with the other companies that sell in your state.
Nationwide compared to 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 cheapest; Nationwide appears in bold. USAA is available only to military families.
Nationwide rates by state
| State | Per year | Per month |
|---|---|---|
| South Dakota | $348 | $29 |
| Idaho | $380 | $32 |
| Vermont | $603 | $50 |
| North Carolina | $607 | $51 |
| California | $609 | $51 |
| Maryland | $610 | $51 |
| Washington | $639 | $53 |
| Rhode Island | $674 | $56 |
| New Mexico | $691 | $58 |
| Montana | $752 | $63 |
| Wisconsin | $773 | $64 |
| New Hampshire | $779 | $65 |
| Arkansas | $794 | $66 |
| Illinois | $836 | $70 |
| Tennessee | $842 | $70 |
| Mississippi | $847 | $71 |
| Missouri | $874 | $73 |
| Alabama | $913 | $76 |
| Kentucky | $978 | $82 |
| Oregon | $1,166 | $97 |
| Connecticut | $1,442 | $120 |
| Delaware | $1,575 | $131 |
Average yearly amount Nationwide charges, starting with the lowest state, for a driver age 40 who has no tickets, no crashes, and buys the state minimum.
What people frequently want to know about Nationwide's non-owner policies
Does Nationwide sell a non-owner car insurance policy?
Yes. Depending on your state, the study found yearly rates that fell between $348 and $1,575.
When you have a non-owner policy from Nationwide, does it act as secondary coverage?
It does, just like every non-owner policy. The owner's insurance on the car settles a claim first; once those limits run out, your policy takes over.
Compare Nationwide 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