State Farm non-owner insurance
What State Farm charges for non-owner car insurance, state by state, who can buy it, and how to get a quote.
Averages drawn from the study assume a 40-year-old driver with no tickets, no claims, and the minimum required by the state.
- $46 a monthUS average, or $555 a year
- $14 a monthlowest state, South Dakota, at $167 a year
- $166 a monthhighest state, New Jersey, at $1,994 a year
- 29 states pricedfrom the rate study
Who qualifies for a non-owner policy through State Farm?
- If your home has no car (yours or a housemate’s) and you frequently use borrowed, rented, or shared cars, or an SR-22 is required by your state before driving again, this policy is a fit.
- This policy is not for you if you own a car, because your own policy covers you, or if you drive a car whose owner lives in the same household (instead, ask the owner to add you to that person’s policy).
With a non-owner plan, will State Farm submit an SR-22 for you?
An SR-22 is a form that tells the state you have at least the minimum coverage, sent in by your insurer. For most drivers who don’t own a car, a non-owner policy is how they get that form. Before you purchase, a phone conversation confirms if State Farm will submit the form with your non-owner policy in your state, and the turnaround time.
- Five states lack the SR-22 altogether: Massachusetts, New Jersey, New York, Oklahoma, and West Virginia. Each state’s page lists its alternative proof.
- After a DUI, Florida and Virginia need an FR-44; this form requires limits above what an SR-22 demands.
What State Farm may charge after a ticket, crash, or DUI
- +20%With one speeding ticket, the rate moves to about $56 a month, up from $46.
- +60%After a single at-fault crash, the rate moves to about $74 a month from $46.
- +78%After a DUI (drunk-driving charge), the cost moves to roughly $82 each month, up from $46.
The numbers are estimates, using the average rise from all insurers, not State Farm's own figures, and they are based on State Farm's US average. How much State Farm's own price goes up can vary; where these figures come from.
Want your own State Farm price? Call 833-958-5598 and a licensed agent gets you a State Farm non-owner quote for your state, next to the other companies that sell it there.
State Farm calls its non-owner product Personal Mobility Coverage. Coverage applies while you ride in or drive a borrowed or rented auto. State Farm limits this product to residents of California.
How much does State Farm charge?
The state minimum for a 40-year-old with a clean record cost a national average of $555 per year, which is about $46 monthly. The lowest average belonged to South Dakota, at $167 a year, while New Jersey posted the highest, at $1,994.
Not in California
You can see State Farm prices for other states in the rate study, but State Farm’s own non-owner product is listed for California alone. If your state is not California, talk to an agent to get a quote from another company.
How to get State Farm non-owner insurance
Non-owner policies are sold by phone or through an agent, not online. Call State Farm, or call us and a licensed agent puts its price next to the other companies that sell in your state.
State Farm 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 |
These are US yearly averages from the rate study, listed from cheapest; State Farm appears in bold. USAA sells only to members of the military and their families.
State Farm pricing by state
| State | Per year | Per month |
|---|---|---|
| South Dakota | $167 | $14 |
| North Dakota | $198 | $17 |
| Montana | $210 | $18 |
| New Hampshire | $229 | $19 |
| Alaska | $257 | $21 |
| Kentucky | $257 | $21 |
| Rhode Island | $274 | $23 |
| Idaho | $286 | $24 |
| Kansas | $312 | $26 |
| Pennsylvania | $342 | $29 |
| Minnesota | $365 | $30 |
| Oregon | $365 | $30 |
| Nevada | $369 | $31 |
| Texas | $375 | $31 |
| Washington | $404 | $34 |
| Connecticut | $424 | $35 |
| Hawaii | $429 | $36 |
| North Carolina | $431 | $36 |
| Virginia | $444 | $37 |
| Colorado | $483 | $40 |
| Vermont | $500 | $42 |
| South Carolina | $582 | $49 |
| Maryland | $717 | $60 |
| California | $802 | $67 |
| Florida | $881 | $73 |
| New York | $911 | $76 |
| Utah | $1,552 | $129 |
| Delaware | $1,679 | $140 |
| New Jersey | $1,994 | $166 |
The annual average State Farm price, starting with the lowest-cost state, for a driver aged 40 who has no tickets, no accidents, and a state-minimum policy.
Common questions on State Farm’s non-owner coverage
Is it possible to get non-owner auto insurance through State Farm?
Yes, but the offer is limited to California. The policy is called Personal Mobility Coverage.
Will a State Farm non-owner policy work as backup coverage?
Yes, just like any other non-owner policy. The car owner’s insurance pays first, and your policy pays after that coverage runs out.
Compare State Farm 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