Progressive non-owner car insurance
What Progressive charges for non-owner car insurance, state by state, who can buy it, and how to get a quote.
The study’s averages are for a 40-year-old driver with no tickets or claims, purchasing the state minimum.
- $59 a monthUS average, or $708 a year
- $14 a monthlowest state, South Dakota, at $168 a year
- $133 a monthhighest state, Arizona, at $1,594 a year
- 42 states pricedfrom the rate study
What kind of driver can get a Progressive non-owner policy?
- This policy works for you when no vehicle is kept at your home (neither yours nor a housemate's) and you regularly drive cars you borrow, rent, or share, or when your state requires an SR-22 before you can get back behind the wheel.
- This is not for you if you own a car (coverage comes from your own policy), or if the person who owns the car you drive lives with you (get added to their policy instead).
Can you get an SR-22 through a Progressive non-owner policy?
An SR-22 is paperwork your insurer sends the state to prove you hold at least the required minimum coverage. Most drivers who lack their own vehicle obtain one through a non-owner policy. On the call before purchasing, you learn if Progressive sends the filing with a non-owner policy where you live, and how quickly it is handled.
- Massachusetts, New Jersey, New York, Oklahoma and West Virginia do not use an SR-22; each state’s own page explains the alternate proof it requires.
- After a DUI, Florida and Virginia require an FR-44, which demands higher coverage limits than an SR-22 does.
Estimates of Progressive rates after a ticket, crash, or DUI
- +20%With a single speeding ticket, expect roughly $71 a month instead of $59.
- +60%For one at-fault crash, the figure rises to about $94 a month, up from $59.
- +78%After a drunk-driving charge (DUI), the typical cost rises to about $105 a month, up from $59.
These are not Progressive's own numbers. They apply the average increase seen across insurers to Progressive's US average. Progressive's actual increase may vary; see where these figures come from.
Want your own Progressive price? Call 833-958-5598 and a licensed agent gets you a Progressive non-owner quote for your state, next to the other companies that sell it there.
Progressive says its non-owner policy protects the person driving, rather than a specific vehicle. If you must file an SR-22 and don’t own a car, you can still get a non-owner policy that includes one from Progressive.
How much does Progressive charge?
Across the country, Progressive's average for a 40-year-old with a clean record buying the state minimum was about $59 a month, or $708 a year. Across states, Progressive's average was lowest in South Dakota, at $168 a year, and highest in Arizona, at $1,594.
Do you need an SR-22 but lack a car?
Has a judge or your state directed you to submit an SR-22 when you have no vehicle? You are able to purchase one through Progressive, which provides a policy that includes the SR-22 for non-owners. In the majority of states, you need to maintain the filing for a minimum of three years; it generally costs about $25.
How to purchase Progressive non-owner car insurance
Non-owner policies are sold by phone or through an agent, not online. Call Progressive, or call us and a licensed agent compares Progressive with the other companies that sell in your state.
Progressive compared with 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 from lowest to highest; Progressive appears in bold. USAA is available only to military families.
Progressive’s rates in each state
| State | Per year | Per month |
|---|---|---|
| South Dakota | $168 | $14 |
| Iowa | $255 | $21 |
| Oklahoma | $319 | $27 |
| Vermont | $320 | $27 |
| Maine | $363 | $30 |
| Kansas | $435 | $36 |
| Colorado | $467 | $39 |
| Nebraska | $474 | $40 |
| California | $476 | $40 |
| Alabama | $479 | $40 |
| Indiana | $497 | $41 |
| North Carolina | $509 | $42 |
| Mississippi | $523 | $44 |
| Arkansas | $547 | $46 |
| Michigan | $560 | $47 |
| Pennsylvania | $563 | $47 |
| Hawaii | $578 | $48 |
| Alaska | $579 | $48 |
| North Dakota | $600 | $50 |
| South Carolina | $600 | $50 |
| Montana | $620 | $52 |
| Illinois | $666 | $56 |
| New Hampshire | $687 | $57 |
| Rhode Island | $692 | $58 |
| Oregon | $696 | $58 |
| New Mexico | $759 | $63 |
| Washington | $765 | $64 |
| Georgia | $785 | $65 |
| Massachusetts | $822 | $69 |
| Texas | $843 | $70 |
| Nevada | $911 | $76 |
| Utah | $930 | $78 |
| Virginia | $965 | $80 |
| Louisiana | $1,007 | $84 |
| Maryland | $1,069 | $89 |
| Delaware | $1,096 | $91 |
| West Virginia | $1,097 | $91 |
| Florida | $1,189 | $99 |
| Kentucky | $1,210 | $101 |
| New Jersey | $1,445 | $120 |
| Connecticut | $1,559 | $130 |
| Arizona | $1,594 | $133 |
Average yearly charges from Progressive, listed from the cheapest state up, for a 40-year-old driver with no tickets or accidents purchasing the state minimum.
What people want to know about Progressive non-owner car insurance
Is non-owner car insurance available from Progressive?
Yes, it is. Yearly costs in the rate study span from $168 to $1,594 across the states.
When you have a Progressive non-owner policy, does it provide secondary coverage?
It provides secondary coverage, just as any non-owner policy does. The vehicle owner’s coverage pays first; your policy pays once their limits run out.
Compare Progressive 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