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All 50 states and DC

Non-owner insurance companies

We checked 9 non-owner insurance companies; each of the 9 lists a named non-owner policy on its website, and each one has state-by-state evidence covering 2 to 50 states. Check the row for your state to see which companies sell it there.

A driver signs an insurance form at an office counter
  • Average across the US
    A monthly cost of $38
    Range from the lowest-cost state to the highest
    Between $10 and $89 each month

    Rates from 49 states

    GEICO prices by state
  • Average across the US
    Monthly price: $59
    Range from the lowest-cost state to the highest
    From $14 to $133 monthly

    Rates from 42 states

    Progressive prices by state
  • Average across the US
    Monthly price: $46
    Range from the lowest-cost state to the highest
    From $14 up to $166 monthly

    Rates from 29 states

    State Farm prices by state
  • Average across the US
    Priced at $51 monthly
    Range from the lowest-cost state to the highest
    Between $22 and $162 per month

    Rates from 26 states

    Farmers prices by state
  • Average across the US
    $17 per month
    Range from the lowest-cost state to the highest
    From $9 up to $35 a month

    For military families only. Rates from 25 states

    USAA prices by state
  • Average across the US
    Priced at $39 monthly
    Range from the lowest-cost state to the highest
    From $15 to $99 per month

    Rates from 24 states

    Travelers prices by state
  • Average across the US
    Monthly price: $63
    Range from the lowest-cost state to the highest
    A monthly cost between $29 and $131

    Rates for 22 states

    Nationwide prices by state
  • Range from the lowest-cost state to the highest
    From $31 to $76 each month

    Rates for 4 states

    Dairyland prices by state
  • Average across the US
    $69 per month
    Range from the lowest-cost state to the highest
    From $61 to $77 each month

    Rates for 2 states

    Allstate prices by state

Rates come from the insurance.com price survey.

Which companies sell non‑owner car insurance in each state?

StateGEICOProgressiveState FarmDairylandUSAATravelersFarmersNationwideAllstate
AlabamaSellsSellsNot statedNot statedSellsSellsSellsSellsNot stated
AlaskaSellsSellsSellsNot statedSellsNot statedNot statedNot statedNot stated
ArizonaSellsSellsNot statedNot statedSellsSellsSellsNot statedNot stated
ArkansasSellsSellsNot statedNot statedNot statedNot statedSellsSellsNot stated
CaliforniaSellsSellsSellsNot statedNot statedNot statedSellsSellsNot stated
ColoradoSellsSellsSellsNot statedSellsNot statedSellsNot statedNot stated
ConnecticutSellsSellsSellsNot statedSellsNot statedSellsSellsNot stated
DelawareSellsSellsSellsSellsSellsSellsNot statedSellsNot stated
FloridaSellsSellsSellsNot statedNot statedSellsNot statedNot statedNot stated
GeorgiaSellsSellsNot statedNot statedSellsNot statedNot statedNot statedNot stated
HawaiiSellsSellsSellsNot statedSellsNot statedNot statedNot statedNot stated
IdahoSellsNot statedSellsSellsNot statedSellsSellsSellsNot stated
IllinoisSellsSellsNot statedNot statedNot statedSellsNot statedSellsNot stated
IndianaSellsSellsNot statedNot statedSellsSellsSellsNot statedNot stated
IowaSellsSellsNot statedNot statedNot statedNot statedSellsNot statedNot stated
KansasSellsSellsSellsNot statedSellsSellsSellsNot statedNot stated
KentuckySellsSellsSellsNot statedNot statedSellsNot statedSellsSells
LouisianaSellsSellsNot statedNot statedSellsNot statedNot statedNot statedNot stated
MaineSellsSellsNot statedNot statedNot statedSellsNot statedNot statedNot stated
MarylandSellsSellsSellsNot statedSellsSellsNot statedSellsNot stated
MassachusettsSellsSellsNot statedNot statedNot statedNot statedSellsNot statedNot stated
MichiganSellsSellsNot statedNot statedNot statedNot statedNot statedNot statedNot stated
MinnesotaSellsNot statedSellsNot statedNot statedSellsNot statedNot statedNot stated
MississippiSellsSellsNot statedNot statedSellsSellsNot statedSellsNot stated
MissouriSellsNot statedNot statedNot statedSellsSellsNot statedSellsNot stated
MontanaSellsSellsSellsNot statedSellsNot statedSellsSellsNot stated
NebraskaSellsSellsNot statedNot statedSellsNot statedNot statedNot statedNot stated
NevadaSellsSellsSellsNot statedNot statedSellsSellsNot statedNot stated
New HampshireSellsSellsSellsNot statedNot statedNot statedSellsSellsNot stated
New JerseySellsSellsSellsNot statedNot statedSellsNot statedNot statedNot stated
New MexicoSellsSellsNot statedNot statedSellsNot statedSellsSellsNot stated
New YorkSellsNot statedSellsNot statedNot statedSellsNot statedNot statedNot stated
North CarolinaSellsSellsSellsNot statedNot statedNot statedNot statedSellsSells
North DakotaSellsSellsSellsNot statedNot statedNot statedNot statedNot statedNot stated
OhioSellsNot statedNot statedNot statedNot statedSellsSellsNot statedNot stated
OklahomaSellsSellsNot statedNot statedSellsNot statedSellsNot statedNot stated
OregonSellsSellsSellsNot statedNot statedSellsSellsSellsNot stated
PennsylvaniaSellsSellsSellsNot statedSellsSellsNot statedNot statedNot stated
Rhode IslandSellsSellsSellsNot statedNot statedSellsSellsSellsNot stated
South CarolinaSellsSellsSellsSellsSellsSellsNot statedNot statedNot stated
South DakotaSellsSellsSellsNot statedNot statedNot statedNot statedSellsNot stated
TennesseeSellsNot statedNot statedNot statedNot statedNot statedSellsSellsNot stated
TexasSellsSellsSellsNot statedSellsNot statedSellsNot statedNot stated
UtahSellsSellsSellsSellsSellsNot statedSellsNot statedNot stated
VermontSellsSellsSellsNot statedNot statedNot statedNot statedSellsNot stated
VirginiaSellsSellsSellsNot statedSellsSellsSellsNot statedNot stated
WashingtonSellsSellsSellsNot statedNot statedSellsSellsSellsNot stated
West VirginiaSellsSellsNot statedNot statedSellsNot statedNot statedNot statedNot stated
WisconsinSellsNot statedNot statedNot statedNot statedNot statedSellsSellsNot stated
WyomingSellsNot statedNot statedNot statedSellsNot statedSellsNot statedNot stated

Get the table as a CSV file. Source: carrier availability published by nonowner-car-insurance.com, pulled from state rate studies and carrier websites; reuse with credit (CC BY 4.0).

Sources for every company row
  • GEICO: geico.com, along with the 49 state rate studies that included its prices
  • Progressive: progressive.com, along with the 42 state rate studies that included its prices
  • State Farm: statefarm.com, along with the 29 state rate studies that included its prices
  • Dairyland: dairylandinsurance.com, along with the 4 state rate studies that included its prices
  • USAA: wallethub.com, along with the 25 state rate studies that included its prices
  • Travelers: travelers.com, along with the 24 state rate studies that included its prices
  • Farmers: wallethub.com, along with the 26 state rate studies that included its prices
  • Nationwide: nationwide.com, along with the 22 state rate studies that included its prices
  • Allstate: allstate.com, along with the 2 state rate studies that included its prices

How we read it: "Sells" means a state rate study priced the company there, or a source names it as sold in all 50 states; "Not stated" means no page we read says either way. Availability changes, so confirm with the company or call us.

Most large insurers offer non-owner car insurance, but not every one of them sells it in all states. GEICO was priced in more states than any other company. State Farm's version is called Personal Mobility Coverage, and you can buy it only in California. A rate study that looked at eight companies supplies the national figures shown at the top.

Which companies sell these policies?

GEICO, Progressive, Travelers, Nationwide, Farmers, Allstate, Dairyland, and USAA all sell non-owner policies. The General also sells a policy to drivers who live in a household without a car. Each insurer chooses which states it serves, and a company that serves yours may still refuse a driver with a recent DUI. The state table above lists only the companies included in the rate study; an agent can quote other insurers by phone, and they may sell in your state as well.

Does The General offer non-owner insurance?

Yes. For anyone required by their state to carry an SR-22 who does not own a car, The General's SR-22 page lists non-owner SR-22 insurance. Because the rate study did not price it, the state table does not show it; when you compare options, ask an agent to add it.

Ways to buy

Buying non-owner car insurance online is not possible. Phone the company or talk to an agent. The fastest way to compare quotes is a single call to an independent agent, who can gather prices from several companies.

Common questions about non‑owner insurance companies

Which company has the best non‑owner insurance?

It depends on your state. For most drivers, GEICO is a good first quote because it had the lowest national average among companies open to everyone.

Does GEICO sell non-owner insurance?

Yes. For drivers who borrow, rent, or share cars, GEICO calls its coverage a liability-only policy. You can see its price by state on our GEICO page.

Does State Farm sell non-owner insurance?

Only in California, where it is called Personal Mobility Coverage.

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

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