Best Cheap Non-Owner Car Insurance

State Farm has the cheapest non-owner car insurance, at $213 per year.

Non-owner auto insurance is for drivers who don't own a car but still want coverage while they are renting vehicles or driving someone else's car.

The cost of non-owner car insurance is much less than even a typical liability-only insurance policy. But getting quotes for non-owner coverage is more difficult than it is for standard auto insurance. Not all insurers sell non-owner coverage, and it isn't typically sold online.

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Cheapest non-owner car insurance companies

State Farm has the best prices for non-owner car insurance.

The company offers rates of $213 per year for a non-owner liability policy. That's 59% less than the average non-owner policy we found and $178 cheaper than State Farm's regular minimum coverage policy.

The average price of a non-owner policy is $516 per year.

Graph of the cheapest non-owner car insurance companies

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Cheapest non-owner auto insurance companies


Annual cost
State Farm logo
State Farm$213
Geico logo
Progressive logo

Although State Farm's rates were the cheapest, the best non-owner car insurance company for you will heavily depend on where you live, as the insurers willing to offer this kind of policy in any given area can vary. To find the cheapest non-vehicle owner insurance rates, you will likely have to call multiple insurers in your area and compare quotes.

How much does non-owner auto insurance cost?

Non-owner car insurance is much cheaper than typical insurance policies. Non-owners insurance costs 41% less than a standard policy with the same limits.

Graph comparing the average cost of auto insurance for non-owner car insurance to a typical liability-only policy

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How much you'll save with a non-owner policy varies considerably by insurer. For example, Geico's rates were 53% cheaper without a vehicle. But Progressive's were only 12% less.

Annual rates of non-owner vs. owner car insurance

Non-owner policy
Policy with car
Percent savings
State Farm$213$390-45%

Why is non-owner auto insurance so cheap?

Nonowner insurance is cheap because it only includes liability coverage, and because people who buy it typically don't drive as much as those who own cars.

Non-owner car insurance is also cheaper than typical policies because you are likely to drive less and are less likely to file a claim. One of the questions insurance companies typically ask is the number of miles you plan to drive in a year. People who drive more often are at a higher risk of getting into an accident, which causes the insurance company to pay out for a claim.

Insurers will assume that people who don't own a car won't drive very often, and they will charge less for non-owner policies.

Non-owner auto insurance is also usually cheaper than a full-coverage auto insurance policy because it doesn't include comprehensive or collision coverage, which are included in full-coverage policies and cover repairs and replacement to your own vehicle after an accident.

It can be one of the most expensive components that make up the cost of your policy — at least half the cost of a full-coverage policy.

How to get non-owner car insurance quotes

To get non-owner car insurance quotes, you'll need to call insurance companies directly, as most companies don't offer online quotes for non-owner coverage.

Because non-owner car insurance policies are atypical, it's possible that you will need to get a non-standard car insurance company.

Non-standard auto insurers specialize in offering coverage to higher-risk drivers, and those seeking non-owner auto insurance are sometimes considered high-risk. If you don't currently have an auto insurance policy or haven't had one for quite some time, insurers will view you as riskier than drivers who have kept consistent coverage. This is true even if you haven't needed car insurance in the past.

It can be harder to get a non-owner car insurance policy than regular insurance.

Non-standard auto insurance policies may be the only option if you are seeking an SR-22 non-owner car insurance policy. This is often the case for drivers who have had their licenses suspended (often for a DUI), don't own a car and need to file an SR-22 to get their licenses reinstated. An SR-22 is a form an insurance company files on your behalf that proves that you have liability insurance.


ValuePenguin collected sample rates across every ZIP code in Illinois for a non-owner liability-only policy. Rates are for a 30-year-old male man with good credit and a clean driving record, who drives a 2015 Honda Civic EX.

Bodily injury liability$50,000 per person/$100,000 per accident
Property damage$25,000 per accident
Uninsured/underinsured motorist bodily injury$50,000 per person/$100,000 per accident

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.

Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.