Travelers non-owner insurance
What Travelers charges for non-owner car insurance, state by state, who can buy it, and how to get a quote.
The rate study shows averages for a driver age 40 who carries the state minimum and has no tickets or claims.
- $39 a monthUS average, or $464 a year
- $15 a monthlowest state, Pennsylvania, at $180 a year
- $99 a monthhighest state, New York, at $1,190 a year
- 24 states pricedfrom the rate study
Who qualifies for a Travelers non-owner policy?
- When your household has no car belonging to you or a housemate, and you frequently drive someone else's, rented, or shared vehicle, or an SR-22 is required by your state to drive again, this policy fits.
- Skip this policy if you own a car (your regular policy protects you) or if you share a home with the owner of the vehicle you drive (request to be named on that owner's policy instead).
Can you get an SR-22 when you buy non-owner insurance through Travelers?
Your insurer submits a form called an SR-22 to the state, proving you hold at least the minimum required coverage. Most drivers who have no car get one by buying a non-owner policy. The call you make before buying confirms whether Travelers files the form with your state for a non-owner policy, and how quickly.
- SR-22 is not used in Massachusetts, New Jersey, New York, Oklahoma or West Virginia; instead, each state’s page explains what proof it requires.
- After a DUI, Florida and Virginia call for an FR-44, which demands more coverage than an SR-22.
Travelers rates with a ticket, accident, or DUI (estimated)
- +20%Expect to pay about $46 a month after one speeding ticket, up from $39.
- +60%If you cause one crash, the monthly rate lands near $62, rather than $39.
- +78%After a DUI (drunk-driving charge), the monthly figure changes to about $69, up from $39.
The figures shown apply the industry‑wide average increase to Travelers's US average, so they are estimates, not Travelers's own data. Travelers's actual increase might not match these numbers; learn where these figures come from.
Want your own Travelers price? Call 833-958-5598 and a licensed agent gets you a Travelers non-owner quote for your state, next to the other companies that sell it there.
If you do not own a car, Travelers has a named non-owner product that includes liability protection, with options to add more. Travelers says it suits a driver who, for example, looks after someone in a different household and drives that person’s vehicle.
How much does Travelers charge?
For a 40‑year‑old driver with a clean history who buys the state minimum, the national average came to $464 a year (about $38 a month). By state, Pennsylvania gave the lowest average for Travelers at $180 a year, while New York produced the highest at $1,190.
Close to the lowest price
Travelers’s national yearly average was $464, which is just $6 more than GEICO’s. In Pennsylvania, Travelers’s state average was the lowest, at $180 a year.
What to do when you want to buy non-owner insurance from Travelers
Non-owner policies are sold by phone or through an agent, not online. Call Travelers, or call us and a licensed agent compares Travelers with the other companies that sell in your state.
How Travelers compares 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 |
The rate study’s yearly US averages, sorted cheapest first; Travelers is shown in bold. Military families are the only ones who qualify for USAA.
Travelers rates state by state
| State | Per year | Per month |
|---|---|---|
| Pennsylvania | $180 | $15 |
| Maine | $268 | $22 |
| Delaware | $275 | $23 |
| Indiana | $290 | $24 |
| Ohio | $314 | $26 |
| Rhode Island | $338 | $28 |
| Idaho | $344 | $29 |
| Missouri | $373 | $31 |
| Illinois | $375 | $31 |
| Virginia | $375 | $31 |
| Kentucky | $382 | $32 |
| Mississippi | $397 | $33 |
| Arizona | $402 | $34 |
| Washington | $409 | $34 |
| Alabama | $434 | $36 |
| Florida | $438 | $37 |
| Nevada | $480 | $40 |
| Maryland | $504 | $42 |
| South Carolina | $508 | $42 |
| Kansas | $514 | $43 |
| New Jersey | $528 | $44 |
| Minnesota | $564 | $47 |
| Oregon | $583 | $49 |
| New York | $1,190 | $99 |
A driver who is 40, has no tickets or crashes, and carries the state minimum: Travelers's average cost per year, starting with the cheapest state.
Common questions about Travelers non-owner insurance
Does Travelers sell non-owner car insurance?
Yes. Across the rate study, yearly costs by state started at $180 and went up to $1,190.
Is a Travelers non-owner policy secondary coverage?
Yes, just like every non-owner policy. First, the car owner's policy pays, and only when their limits run out does your own coverage begin.
Compare Travelers 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