Non-owner car insurance cost
Coverage in your own name when you borrow or rent a car. This coverage does not extend to a vehicle you own or one stored where you live.
What non-owner car insurance costs in each state
- $42 a monthThat is the US average, which comes to $506 per year.
- $18 a monthstate with the lowest price, South Dakota
- $95 a monthstate with the highest price, New Jersey
These average prices assume the driver is aged 40, has a spotless record, and buys only coverage the state requires by law. Each state's cheapest company is named next to its price in the full list of states.
All 50 states plus DC, along with the cheapest company in each one
| State | Per month | Per year | Cheapest company |
|---|---|---|---|
| Alabama | $39 | $469 | Auto-Owners |
| Alaska | $25 | $296 | GEICO |
| Arizona | $54 | $652 | GEICO |
| Arkansas | $37 | $440 | Auto-Owners |
| California | $42 | $500 | AAA |
| Colorado | $42 | $506 | Auto-Owners |
| Connecticut | $88 | $1,054 | State Farm |
| Delaware | $78 | $936 | Travelers |
| Florida | $56 | $668 | AIG |
| Georgia | $43 | $510 | Auto-Owners |
| Hawaii | $32 | $389 | GEICO |
| Idaho | $25 | $297 | Auto-Owners |
| Illinois | $43 | $518 | Auto-Owners |
| Indiana | $27 | $320 | Auto-Owners |
| Iowa | $23 | $280 | Auto-Owners |
| Kansas | $34 | $408 | GEICO |
| Kentucky | $42 | $499 | Auto-Owners |
| Louisiana | $34 | $410 | Southern Farm Bureau |
| Maine | $23 | $271 | GEICO |
| Maryland | $43 | $516 | GEICO |
| Massachusetts | $57 | $686 | Farmers |
| Michigan | $71 | $855 | Auto-Owners |
| Minnesota | $29 | $352 | Auto-Owners |
| Mississippi | $40 | $474 | Shelter |
| Missouri | $29 | $346 | Auto-Owners |
| Montana | $34 | $412 | State Farm |
| Nebraska | $34 | $402 | Auto-Owners |
| Nevada | $69 | $823 | GEICO |
| New Hampshire | $36 | $437 | MMG |
| New Jersey | $95 | $1,141 | Travelers |
| New Mexico | $34 | $413 | Central |
| New York | $51 | $606 | NYCM |
| North Carolina | $57 | $681 | State Farm |
| North Dakota | $29 | $353 | Auto-Owners |
| Ohio | $24 | $291 | Auto-Owners |
| Oklahoma | $40 | $477 | Progressive |
| Oregon | $54 | $644 | State Farm |
| Pennsylvania | $23 | $279 | Westfield |
| Rhode Island | $43 | $511 | State Farm |
| South Carolina | $37 | $448 | Auto-Owners |
| South Dakota | $18 | $216 | GEICO |
| Tennessee | $42 | $507 | Auto-Owners |
| Texas | $47 | $564 | State Farm |
| Utah | $55 | $658 | Auto-Owners |
| Vermont | $38 | $460 | Vermont Mutual |
| Virginia | $46 | $549 | Travelers |
| Washington | $43 | $516 | PEMCO |
| Washington, DC | $55 | $661 | GEICO |
| West Virginia | $37 | $442 | Erie |
| Wisconsin | $33 | $398 | GEICO |
| Wyoming | $23 | $270 | American National |
How much non-owner car insurance costs by age
| Age | Per month | Per year |
|---|---|---|
| 16 to 19 | $110 | $1,324 |
| 20 to 24 | $58 | $697 |
| 25 to 64 | $42 | $506 |
| 65 and over | $44 | $528 |
For every age range, these are the usual costs across the US, drawn from surveys covering all 50 states, for a driver whose record is clean.
Cost of non-owner car insurance by company
Prices from 8 companies were compared in the national survey. For most drivers, GEICO came in with the lowest average. USAA’s rate was lower still, though you must be in the military, a veteran, or a family member to buy through them.
| 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 |
Averages for the US from the insurance.com price survey, sorted cheapest first, for a 40-year-old driver who has no tickets or accidents. The ranking may be different where you live. That survey does not include Dairyland; check Dairyland prices by state.
High-risk auto coverage: the extra cost from a ticket, an accident, or a DUI
- $51 a monthA single speeding ticket adds 20% to the $42 that a clean record would cost.
- $67 a monthAn accident that is your fault: 60% on top of the $42 charged for a spotless record.
- $75 a monthA drunk-driving charge (DUI): the cost jumps 78% above the $42 for a clean record.
A non-owner policy remains available after each one. A licensed agent locates companies in your state willing to insure you.
Do you drive a friend’s car or a rental from time to time? You, the driver, are protected by a non-owner policy whenever you drive a car that is not yours and not stored at your home. The national price survey by insurance.com compared eight insurers nationwide, giving the US and company averages. Each state’s own survey supplies its prices and lowest‑cost company.
Why does the price move up or down?
Where you live has the largest impact. State law sets the minimum coverage a driver must carry, and every company charges differently in each state.
Then comes age. Teenagers face the highest cost. By your mid-twenties, the cost falls sharply.
What is on your driving record makes a difference as well. Your rate goes up after a ticket, a crash you were responsible for, or a DUI (drunk‑driving charge); see how much each one adds. You can still get coverage after any of them. Because the extra cost varies widely among insurers, you can have a licensed agent (someone the state lets sell insurance) check several companies and track down the lower price.
Is the cost higher for a standard policy?
Yes. In almost every state, you pay more to insure a car that you own. A non-owner policy never covers fixing your own vehicle; it only handles harm and damage you do to other people. Those who do not own a car also generally drive fewer miles. For example, State Farm charges roughly half as much for non‑owner coverage.
Common questions about the cost of non‑owner car insurance
What is the monthly cost of non‑owner insurance?
The US average runs close to $42 a month. South Dakota, the lowest‑cost state, averages roughly $18 a month, while New Jersey, the highest, is near $95.
Do younger drivers pay more for non‑owner car insurance?
Yes. The most expensive group is teenage drivers. Costs drop in your early twenties and drop again starting at age 25.
Does a DUI raise the cost of a non‑owner policy?
Yes, by a wide margin. The yearly national average of $506 climbs to around $901. Some insurers add far less to the price than others, so checking a few quotes is worthwhile.
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