What company has the cheapest non-owner car insurance?

Like any other type of car insurance, rates for non-owner car insurance vary by company.

In the table below you'll see how major carriers’ quotes for non-owner insurance compare, including non-owner car insurance from State Farm and Progressive, and how much you can save by shopping and comparing non-owner car insurance rates.

Auto-Owners has the cheapest rates for non-owner car insurance on average.

CompanyAverage annual rate
Auto-Owners$86
Shelter$97
Vermont$120
Iowa Farm Bureau$143
Western National Finance$143
American National Finance$145
USAA*$160
Frankenmuth$165
Auto Club Enterprises$174
Data updated in 2024
Read our methodology

*USAA provides coverage only to military members, veterans and their families.

Cheapest non-owner car insurance companies by state

Non-owner car insurance rates vary by state. Below you’ll find several of the cheapest companies in each state so you can find the right policy for your needs.

State Company  Avg. annual premium
AlaskaUSAA$ 99
AlaskaGeico$ 125
AlaskaWestern National Mutual$ 143
AlaskaState Farm$ 148
AlaskaProgressive$ 653
AlabamaAuto-Owners$ 55
AlabamaGeico$ 132
AlabamaUSAA$ 135
AlabamaTravelers$ 277
AlabamaNationwide$ 360
AlabamaFarmers$ 457
AlabamaProgressive$ 474
AlabamaState Farm$ 1,023
ArkansasAuto-Owners$ 56
ArkansasUSAA$ 117
ArkansasGeico$ 132
ArkansasState Farm$ 157
ArkansasTravelers$ 290
ArkansasProgressive$ 327
ArkansasFarmers$ 346
ArkansasNationwide$ 435
ArizonaAuto-Owners$ 90
ArizonaState Farm$ 200
ArizonaThe Hartford$ 237
ArizonaUSAA$ 242
ArizonaTravelers$ 311
ArizonaGeico$ 342
ArizonaFarmers$ 363
ArizonaNationwide$ 391
ArizonaCSAA Insurance (AAA)$ 444
ArizonaProgressive$ 628
CaliforniaKemper Insurance$ 144
CaliforniaUSAA$ 165
CaliforniaAuto Club Enterprises (AAA)$ 175
CaliforniaFarmers$ 269
CaliforniaTravelers$ 324
CaliforniaMercury Insurance$ 325
CaliforniaNationwide$ 355
CaliforniaProgressive$ 384
CaliforniaGeico$ 403
CaliforniaState Farm$ 475
CaliforniaThe Hartford$ 538
ColoradoAuto-Owners$ 68
ColoradoUSAA$ 113
ColoradoGeico$ 144
ColoradoKemper Insurance$ 217
ColoradoState Farm$ 240
ColoradoNationwide$ 382
ColoradoAmerican Family$ 403
ColoradoProgressive$ 504
ColoradoFarmers$ 513
ConnecticutKemper Insurance$ 134
ConnecticutState Farm$ 278
ConnecticutUSAA$ 361
ConnecticutGeico$ 393
ConnecticutNationwide$ 668
ConnecticutProgressive$ 695
Washington D.C.Geico$ 155
Washington D.C.USAA$ 248
Washington D.C.State Farm$ 413
Washington D.C.Erie Insurance$ 475
Washington D.C.Progressive$ 515
Washington D.C.Nationwide$ 1,015
DelawareUSAA$ 184
DelawareGeico$ 187
DelawareTravelers$ 244
DelawareAmerican Family$ 687
DelawareProgressive$ 711
DelawareNationwide$ 821
DelawareState Farm$ 1,169
DelawareSentry Insurance$ 1,756
FloridaGeico$ 257
FloridaTravelers$ 399
FloridaNationwide$ 504
FloridaState Farm$ 545
FloridaMercury Insurance$ 593
FloridaProgressive$ 1,132
FloridaNational General Insurance$ 1,270
GeorgiaAuto-Owners$ 60
GeorgiaGeico$ 108
GeorgiaUSAA$ 163
GeorgiaState Farm$ 265
GeorgiaProgressive$ 523
GeorgiaMercury Insurance$ 526
GeorgiaNationwide$ 962
HawaiiUSAA$ 148
HawaiiGeico$ 241
HawaiiState Farm$ 599
HawaiiProgressive$ 641
IowaUSAA$ 68
IowaState Farm$ 81
IowaGeico$ 143
IowaNationwide$ 202
IowaProgressive$ 219
IowaTravelers$ 234
IowaAmerican Family$ 295
IowaFarmers$ 302
IdahoAuto-Owners$ 26
IdahoUSAA$ 76
IdahoGeico$ 131
IdahoState Farm$ 165
IdahoNationwide$ 184
IdahoTravelers$ 240
IdahoFarmers$ 318
IdahoAmerican Family$ 383
IllinoisAuto-Owners$ 69
IllinoisState Farm$ 174
IllinoisUSAA$ 204
IllinoisMercury Insurance$ 210
IllinoisGeico$ 251
IllinoisTravelers$ 301
IllinoisFarmers$ 352
IllinoisErie Insurance$ 371
IllinoisProgressive$ 442
IllinoisNationwide$ 491
IndianaAuto-Owners$ 37
IndianaUSAA$ 98
IndianaGeico$ 140
IndianaState Farm$ 201
IndianaTravelers$ 278
IndianaNationwide$ 327
IndianaFarmers$ 383
IndianaProgressive$ 452
IndianaAmerican Family$ 456
KansasAuto-Owners$ 72
KansasGeico$ 74
KansasUSAA$ 107
KansasState Farm$ 169
KansasProgressive$ 202
KansasTravelers$ 315
KansasAmerican Family$ 420
KansasFarmers$ 422
KansasNationwide$ 509
KentuckyAuto-Owners$ 92
KentuckyUSAA$ 196
KentuckyState Farm$ 240
KentuckyGeico$ 351
KentuckyTravelers$ 361
KentuckyAllstate$ 514
KentuckyProgressive$ 944
KentuckyNationwide$ 1,178
LouisianaUSAA$ 215
LouisianaGeico$ 224
LouisianaState Farm$ 267
LouisianaProgressive$ 758
MassachusettsState Farm$ 143
MassachusettsSafety Insurance$ 196
MassachusettsUSAA$ 315
MassachusettsArbella Insurance$ 476
MassachusettsGeico$ 602
MassachusettsAmerican Family$ 603
MassachusettsProgressive$ 805
MarylandGeico$ 115
MarylandUSAA$ 150
MarylandKemper Insurance$ 177
MarylandErie Insurance$ 230
MarylandNationwide$ 286
MarylandTravelers$ 395
MarylandProgressive$ 640
MaineGeico$ 76
MaineUSAA$ 104
MaineFrankenmuth Insurance$ 165
MaineTravelers$ 237
MaineProgressive$ 381
MaineFarmers$ 447
MichiganTravelers$ 93
MichiganUSAA$ 224
MichiganAuto-Owners$ 342
MichiganGeico$ 719
MichiganProgressive$ 891
MichiganFarmers$ 1,175
MinnesotaAuto-Owners$ 66
MinnesotaState Farm$ 200
MinnesotaUSAA$ 218
MinnesotaGeico$ 230
MinnesotaTravelers$ 410
MinnesotaAmerican Family$ 416
MissouriUSAA$ 123
MissouriAuto-Owners$ 150
MissouriState Farm$ 195
MissouriGeico$ 291
MissouriTravelers$ 325
MissouriKemper Insurance$ 332
MissouriProgressive$ 364
MissouriNationwide$ 473
MissouriAmerican Family$ 580
MississippiUSAA$ 96
MississippiState Farm$ 239
MississippiNationwide$ 335
MississippiGeico$ 344
MississippiTravelers$ 351
MississippiProgressive$ 413
MontanaUSAA$ 75
MontanaState Farm$ 121
MontanaProgressive$ 171
MontanaGeico$ 237
MontanaKemper Insurance$ 308
MontanaNationwide$ 311
MontanaFarmers$ 389
North CarolinaKemper Insurance$ 283
North CarolinaNational General Insurance$ 377
North CarolinaNationwide$ 967
North CarolinaState Farm$ 1,016
North CarolinaErie Insurance$ 1,060
North CarolinaNorth Carolina Farm Bureau$ 1,163
North CarolinaGeico$ 1,374
North CarolinaProgressive$ 1,676
North DakotaUSAA$ 73
North DakotaGeico$ 87
North DakotaState Farm$ 101
North DakotaAuto-Owners$ 102
North DakotaAmerican Family$ 300
North DakotaProgressive$ 339
North DakotaNationwide$ 341
North DakotaFarmers$ 417
NebraskaAuto-Owners$ 57
NebraskaGeico$ 73
NebraskaUSAA$ 121
NebraskaProgressive$ 137
NebraskaState Farm$ 186
NebraskaNationwide$ 240
NebraskaFarmers$ 498
New HampshireUSAA$ 102
New HampshireState Farm$ 122
New HampshireGeico$ 163
New HampshireProgressive$ 346
New HampshireNationwide$ 496
New JerseyGeico$ 303
New JerseyTravelers$ 371
New JerseyMercury Insurance$ 449
New JerseyFarmers$ 982
New JerseyState Farm$ 1,101
New JerseyProgressive$ 2,752
New MexicoIowa Farm Bureau$ 143
New MexicoState Farm$ 149
New MexicoUSAA$ 163
New MexicoGeico$ 197
New MexicoNationwide$ 284
New MexicoKemper Insurance$ 307
New MexicoFarmers$ 351
New MexicoProgressive$ 719
NevadaState Farm$ 140
NevadaUSAA$ 185
NevadaGeico$ 196
NevadaNationwide$ 412
NevadaMercury Insurance$ 412
NevadaTravelers$ 415
NevadaKemper Insurance$ 601
NevadaProgressive$ 644
NevadaFarmers$ 724
New YorkGeico$ 177
New YorkErie Insurance$ 247
New YorkUSAA$ 295
New YorkState Farm$ 461
New YorkAmerican Family$ 863
New YorkTravelers$ 959
New YorkProgressive$ 1,041
OhioAuto-Owners$ 33
OhioUSAA$ 89
OhioErie Insurance$ 100
OhioState Farm$ 140
OhioGeico$ 156
OhioTravelers$ 234
OhioAmerican Family$ 247
OhioProgressive$ 267
OhioNationwide$ 315
OhioFarmers$ 401
OklahomaUSAA$ 87
OklahomaShelter Insurance$ 97
OklahomaState Farm$ 133
OklahomaGeico$ 139
OklahomaProgressive$ 158
OklahomaMercury Insurance$ 233
OklahomaFarmers$ 329
OregonUSAA$ 202
OregonState Farm$ 249
OregonGeico$ 255
OregonTravelers$ 354
OregonKemper Insurance$ 354
OregonProgressive$ 644
OregonFarmers$ 652
OregonAmerican Family$ 668
OregonNationwide$ 676
PennsylvaniaAuto-Owners$ 45
PennsylvaniaErie Insurance$ 102
PennsylvaniaTravelers$ 137
PennsylvaniaUSAA$ 180
PennsylvaniaGeico$ 226
PennsylvaniaProgressive$ 368
PennsylvaniaNationwide$ 453
Rhode IslandUSAA$ 173
Rhode IslandGeico$ 271
Rhode IslandAmerican Family$ 382
Rhode IslandTravelers$ 471
Rhode IslandNationwide$ 747
Rhode IslandProgressive$ 809
South CarolinaAuto-Owners$ 120
South CarolinaGeico$ 194
South CarolinaUSAA$ 229
South CarolinaAmerican Family$ 330
South CarolinaState Farm$ 333
South CarolinaProgressive$ 484
South CarolinaTravelers$ 512
South CarolinaNationwide$ 685
South CarolinaFarmers$ 1,025
South DakotaAuto-Owners$ 35
South DakotaGeico$ 68
South DakotaUSAA$ 84
South DakotaState Farm$ 94
South DakotaFarmers$ 285
South DakotaAmerican Family$ 292
South DakotaProgressive$ 331
TennesseeAuto-Owners$ 42
TennesseeUSAA$ 111
TennesseeGeico$ 140
TennesseeState Farm$ 200
TennesseeTravelers$ 287
TennesseeProgressive$ 321
TennesseeFarmers$ 371
TennesseeErie Insurance$ 382
TennesseeNationwide$ 403
TexasAuto Club Enterprises (AAA)$ 174
TexasUSAA$ 187
TexasState Farm$ 204
TexasMercury Insurance$ 340
TexasNationwide$ 497
TexasFarmers$ 574
TexasGeico$ 878
UtahAuto-Owners$ 84
UtahUSAA$ 139
UtahGeico$ 186
UtahKemper Insurance$ 267
UtahNationwide$ 410
UtahProgressive$ 557
UtahAllstate$ 597
UtahFarmers$ 601
UtahAmerican Family$ 648
UtahState Farm$ 876
VirginiaAuto-Owners$ 122
VirginiaUSAA$ 141
VirginiaGeico$ 175
VirginiaState Farm$ 205
VirginiaErie Insurance$ 219
VirginiaMercury Insurance$ 283
VirginiaTravelers$ 285
VirginiaKemper Insurance$ 306
VirginiaNationwide$ 382
VirginiaProgressive$ 458
VirginiaAmerican Family$ 688
VermontUSAA$ 82
VermontVermont Mutual$ 120
VermontAmerican Family$ 208
VermontGeico$ 318
VermontState Farm$ 346
VermontNationwide$ 362
VermontProgressive$ 424
WashingtonUSAA$ 137
WashingtonGeico$ 173
WashingtonState Farm$ 227
WashingtonTravelers$ 277
WashingtonNationwide$ 286
WashingtonProgressive$ 329
WashingtonFarmers$ 461
WisconsinUSAA$ 91
WisconsinAuto-Owners$ 94
WisconsinErie Insurance$ 105
WisconsinGeico$ 108
WisconsinState Farm$ 133
WisconsinTravelers$ 282
WisconsinNationwide$ 284
WisconsinProgressive$ 304
WisconsinFarmers$ 335
WisconsinAutomobile Club MI (AAA)$ 383
WisconsinAmerican Family$ 413
WisconsinKemper Insurance$ 442
West VirginiaUSAA$ 131
West VirginiaErie Insurance$ 153
West VirginiaState Farm$ 190
West VirginiaWestfield Insurance$ 195
West VirginiaGeico$ 227
West VirginiaNationwide$ 470
West VirginiaProgressive$ 689
WyomingUSAA$ 90
WyomingAmerican National Finance$ 145
WyomingGeico$ 250
WyomingFarmers$ 380
Data updated in 2024
Read our methodology

How to get cheap non-owner car insurance

The best way to get a cheap non-owner policy is to shop around. Rates for non-owner insurance may be higher if you need an SR-22 or have any violations on your record, but shopping around can still help you to save. Your age, gender and credit will also impact your rates in most states.

Before you buy non-owner car insurance, make sure it’s right for you and that you understand what non-owner car insurance covers and what it doesn’t. A non-owner policy isn’t right for everyone, but if it’s right for you it’s a great way to protect yourself at a low price.

Methodology

Insurance.com commissioned non-owner car insurance rates in 2022 from Quadrant Data Services. Rates are based on a 40-year-old male driver with a clean record and good credit and were fielded across all states and multiple companies.