USAA non-owner insurance
What USAA charges for non-owner car insurance, state by state, who can buy it, and how to get a quote.
For a driver who is 40, has no tickets and no claims, and gets the state minimum, those are the study averages.
- $17 a monthUS average, or $207 a year
- $9 a monthlowest state, Indiana, at $103 a year
- $35 a monthhighest state, Connecticut, at $421 a year
- 25 states pricedfrom the rate study
Who is eligible for a USAA non-owner policy?
- This policy suits you when no one in your household (you or a housemate) keeps a car, yet you regularly drive cars you borrow, rent, or share, or your state requires an SR-22 before you can get back on the road.
- It is not right for you when a car you drive belongs to someone you live with (ask them to add you to their policy) or when you own a car (your policy already covers you).
To buy from USAA, you must be a service member, a veteran, or part of their family. Not sure it fits? Three quick questions.
Can you get an SR-22 added to a USAA non-owner policy?
An SR-22 is the form an insurer sends to the state, confirming you have at least the state’s minimum coverage. Most drivers get one through a non-owner policy when they do not own a car. The call you make before buying tells you if USAA files the form in your state under a non-owner policy, and how quickly.
- Massachusetts, New Jersey, New York, Oklahoma and West Virginia do not require an SR-22; check each state’s page for the alternative proof they accept.
- After a DUI, Florida and Virginia call for an FR-44, which demands higher coverage amounts than an SR-22 does.
USAA price estimates following a ticket, an accident, or a DUI
- +20%With one speeding ticket, the monthly cost goes from $17 to about $21.
- +60%Your monthly price moves from $17 to about $28 after a single at-fault crash.
- +78%A DUI (drunk-driving charge) pushes the monthly rate from $17 to about $31.
These numbers are estimates based on industry-wide average increases applied to USAA's US average, not USAA's own figures. USAA's actual increase might be different; where these figures come from.
Want your own USAA price? Call 833-958-5598 and a licensed agent gets you a USAA non-owner quote for your state, next to the other companies that sell it there.
USAA provides non-owner car insurance to households that do not have a car. Only current and former service members, along with their families, may buy it.
What do USAA’s rates look like?
USAA's national average for a clean-record driver age 40 with the state minimum was about $17 a month, or $207 a year. The cheapest state was Indiana at $103 a year in USAA's averages, while Connecticut was the costliest at $421.
If you qualify, the lowest cost
USAA's national average was $207 a year, the lowest in the rate study by a wide margin. If you or a parent or spouse served, get a USAA quote first.
How to purchase a USAA non-owner policy
Non-owner policies are sold by phone or through an agent, not online. Call USAA, or call us and a licensed agent compares USAA with the other companies that sell in your state.
How USAA compares to other non-owner insurance companies
| 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 yearly US averages from the rate study are listed from cheapest to most expensive; USAA appears in bold. A USAA policy is open only to military families.
USAA costs in every state
| State | Per year | Per month |
|---|---|---|
| Indiana | $103 | $9 |
| Montana | $121 | $10 |
| Wyoming | $126 | $11 |
| Oklahoma | $139 | $12 |
| Hawaii | $141 | $12 |
| Missouri | $143 | $12 |
| Mississippi | $147 | $12 |
| West Virginia | $152 | $13 |
| Alaska | $161 | $13 |
| Alabama | $163 | $14 |
| Kansas | $165 | $14 |
| Nebraska | $174 | $15 |
| Colorado | $193 | $16 |
| Pennsylvania | $200 | $17 |
| Utah | $200 | $17 |
| Maryland | $210 | $18 |
| New Mexico | $231 | $19 |
| Delaware | $240 | $20 |
| Virginia | $249 | $21 |
| Georgia | $250 | $21 |
| Texas | $280 | $23 |
| Arizona | $288 | $24 |
| Louisiana | $302 | $25 |
| South Carolina | $322 | $27 |
| Connecticut | $421 | $35 |
For a 40-year-old with no tickets, no accidents, and the state minimum, here is what USAA averages per year, starting with the cheapest state.
Common questions about USAA non-owner insurance
Is non-owner car insurance available through USAA?
Yes, it is only sold to military members, veterans, and the people in their families. Depending on the state, the rate study found yearly prices from $103 up to $421.
If I have a USAA non-owner policy, does it work as secondary coverage?
It does, just like every non-owner policy. The car’s own insurance pays out first; after it reaches its limits, your policy steps in.
Compare USAA 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