Non-owner car insurance quote
This is for drivers who have no car at their home. A different policy is right for you when you own a car or share a home with the person who does.
Send your details and a licensed agent calls you with non-owner car insurance quotes, or call now and get them on the phone.
Company-by-company prices for non-owner car insurance
- $42 a monthAcross the US, the average is $506 a year.
- $38 a monthAmong companies open to all drivers, GEICO has the lowest US average.
| 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 price survey, starting with the cheapest. USAA sells only to military families. The companies you can choose from vary by state; an agent gives you quotes for those that operate where you live. The survey left out Dairyland; you can look at Dairyland prices by state.
Are you driving a car a family member has lent you? When you live together, the usual solution is to be put on their policy; see what fits.
Do you need this when you drive a relative's car?
- When you live with them, getting added to their policy is your best option. A non-owner policy is not meant for a car kept where you live.
- When your home is elsewhere and you only borrow the car sometimes, the owner's insurance already protects you in most cases.
- When you drive their car almost weekly (or cars from several people), getting a non-owner policy under your own name makes sense. If you get into a crash, the first payment comes from their insurance. The amount their insurance does not cover gets paid by yours.
Non-owner car insurance is something most companies do not sell online; you get it over the phone or with help from an agent. Call us and a licensed agent reviews your driving record, then reads you prices from insurers that offer this policy in your state.
What to have ready
- Your birth date and your driver's license number.
- How often you drive, and who owns the cars you use.
- Any tickets, crashes, or a DUI from the past few years.
- If a court or your state has told you to file an SR-22.
After you send it, what comes next?
A licensed agent will call you back. To make sure a non-owner policy is right for you, the agent checks first, since covering a car from your own household is discouraged. Next, you hear quotes from multiple companies, and your coverage can start right on that call.
What price should you expect?
The yearly US average sits at $506, or about $42 each month. To learn what someone of your age with your driving record pays in your state, answer the three questions above, and the cost page shows every state.
Receive a call that includes actual quotes
When you share your name and phone number, a licensed agent gets back to you with quotes from insurers offering non-owner policies in your state. There is no cost for the call or for the quotes.
What people ask about getting a non-owner quote
Can I get a non-owner quote online?
Your information can be sent online, but you receive the actual quote by phone. Non-owner coverage is bought from insurers over the phone or through an agent.
Does a quote cost anything?
No. You pay nothing for the call and nothing for the quotes, and you are not obligated to buy.
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