The Best Non-Owner Auto Insurance of 2024

Allstate is one of the top auto insurance companies in the country, with more than 90 years of experience under its belt. It’s the fourth-largest auto insurance provider in the industry in terms of premiums written.² Even if you don’t own your own car, you can enjoy many of Allstate’s perks, including its highly rated customer service and its multitude of auto insurance discounts.

Bundled Policy Options

One of Allstate’s strengths is its bundling discounts. Even if you don’t own your own car, you can still bundle your non-owner auto insurance policy with another policy and save money.

You can save up to 25 percent by bundling your auto insurance policy with either a homeowners’ or renters’ insurance policy. So if your normal premium for non-owner auto insurance would be $500 per year, you could end up paying just $375. According to Allstate, your renters premium could be as low as $4 monthly when bundling with an auto policy.

Discounts for the Way You Pay

Allstate offers several discounts to help you save based on the way you receive and pay your bill. Here are the different ways you can reduce your premiums.

• EZ pay plan: Set up an automatic deposit to pay your premiums.
• Allstate eSmart: Sign up for paperless billing to view important documents online instead of receiving them in the mail.
• Early signing: Sign up for your policy at least one week before it becomes effective.
• FullPay: Pay your policy in full upfront instead of paying monthly premiums.
• Responsible payer: Go at least one year without a cancellation notice for non-payment.

Strong Offerings in Florida

In the 2024 J.D. Power Auto Insurance Study, Allstate ranked above-average for customer satisfaction in Florida—its score of 643 out of 1,000 outpaces the average by 18 points, and falls just behind State Farm and USAA.

Importantly, Allstate continues to offer homeowners insurance in Florida, a state hit hard by insurers pulling out of the market, deeming it too risky. Allstate’s offerings include flood insurance, which you can buy online through National General (which Allstate owns). You can also purchase a government-run National Flood Insurance Program (NFIP) policy through an Allstate agent.

State Farm is the largest auto insurance company on the market in terms of premiums written. It accounts for nearly 10 percent of the U.S. market, and it’s easy to see why. Its affordable rates make it a great option for drivers, including those looking for non-owner insurance policies.

Affordable Premiums

State Farm constantly ranks among the most affordable auto insurance companies. With an average rate of $314 annually for a non-owner policy, it’s the cheapest provider on our list.

State Farm’s rates are also considerably lower than the national average. Our data shows the average annual premium across all companies is about $1,700, which is several hundred dollars more expensive than the average premium State Farm offers.

In terms of financial strength, State Farm fairs well. Though in recent years their AM Best rating has been downgraded from an A (Excellent) to a B (Fair),³ this rating still indicates State Farm has the financial resources to pay out claims to their customers. (The financially stronger the company is, the more likely they’ll be able to meet their financial obligations to customers and pay out their claims).

Savings for Safe Drivers

State Farm has several discounts available to help drivers save on their premiums, including non-owners.

• Steer Clear: If you’re under the age of 25, you can get a discount using State Farm’s Steer Clear program. All you need is a valid driver’s license, no at-fault accidents or moving violations during the past three years, and to successfully complete driver training activities. Once you’re finished,  you’ll get a certificate of completion, which you’ll send to your agent.
• Clean record: State Farm offers discounts when you maintain an accident-free driving record or go at least three years without a moving violation.
• Driver safety course: Finally, if you’re a State Farm customer, you can get a discount for taking a driver safety course.

Farmers is another top provider of non-owner auto insurance, ranking seventh overall in the private passenger industry in terms of premiums written. The company has excellent coverage options, as well as several ways for drivers to save.

Great Coverage Options

Farmers has one of the best lineups of coverage options, and a couple of them are available even with non-owner auto insurance.

• Personal umbrella: Farmers offers personal umbrella insurance to supplement your liability coverage. If someone sues you and the amount you owe exceeds your non-owner auto insurance limits, your umbrella policy will apply.
• Accident forgiveness: Another coverage option non-owner policyholders can take advantage of is accident forgiveness. With this coverage, Farmers will forgive one at-fault accident for every three years you are accident-free. So if you get in an accident while driving someone else’s vehicle, you won’t see the premiums on your non-owner policy increase.

Discounts for Bundled Policies

Like Allstate, Farmers has a strong discount for bundling multiple policies. Most of the insurers on our list with a multi-policy discount only offer it when you bundle your home and auto insurance policies. State Farm is the only other exception; it offers a discount when you bundle your auto insurance policy with a life insurance policy.

Farmers takes that one step further and offers a discount when you bundle your auto insurance policy with any other qualifying Farmers insurance policy. Qualifying policies include homeowners, life, umbrella, and small business insurance. This bundle discount applies even with non-owner auto insurance.

Savings for Affinity Groups

Farmers shines above the competition with its affinity group discounts. It offers discounts to people who are members, employees, or retirees of certain businesses. Additionally, you can save by being a member of certain occupational groups or professional associations. Here are some examples of individuals that can save with Farmers:

• Doctors
• Firefighters
• Graduates of certain universities
• Members of certain fraternal organizations
• Nurses
• Police officers

Unlike State Farm and Allstate, Farmer’s offers a military discount. This discount applies whether you’re on active duty, active reserves, retired military, or an honorably discharged military veteran.

These discounts are especially beneficial when choosing Farmers insurance, since it’s one of the more expensive companies on our list for non-owner policies, after Allstate.

USAA is a financial services company that caters only to current and former military members and their families. And although it’s only available to military families, USAA is still the fifth-largest provider of auto insurance in the country in terms of premiums written.

Affordable Premiums

One of the most standout features of USAA insurance is its affordable premiums. After State Farm, it has the cheapest average premiums for non-owner insurance at $461 annually. If at any point you purchase a vehicle, USAA has some of the cheapest premiums for vehicle-owners as well, at an average of $1,322 annually for full coverage, the lowest of any provider on our list.

As a USAA customer, you can take advantage of the many discounts available. You can save by bundling your auto insurance policy with your homeowners or renters insurance and by being a loyal member, meaning your parents were USAA members and you started your own policy.

Excellent Customer and Claims Service

USAA consistently ranks among the best when it comes to customer and claims satisfaction. In J.D. Power’s Auto Claims Satisfaction Study, USAA holds a score of 900 out of 1,000, tying for third and placing behind just two other companies: Amica Mutual and Erie Insurance.⁴

When it comes to customer satisfaction, USAA ranks highest in every single region on J.D. Power’s Auto Insurance Study. It also ranks highest for usage-based insurance programs.

Savings for Safe Drivers

USAA has several ways you can save money by being a safe driver, even if you have a non-owner policy.

• Good driving record: The company gives you a safe driver discount if you’ve maintained a good driving record for at least five years.
• Driving course: USAA offers a discount when you complete an approved defensive driving or basic driver training course.
• SafePilot program: With SafePilot, you’ll download a mobile app that monitors your braking and phone usage while driving. It also detects potential accidents and allows the app to call 911 if needed. USAA will give you a 10 percent discount just for signing up for SafePilot. And depending on your driving score, you could earn an additional discount of up to 30 percent.

Acceptance was created specifically to help high-risk drivers get coverage. The company offers policies in 17 states and provides coverage, including non-owner policies, to drivers who may not qualify elsewhere.

Coverage for High-Risk Drivers

Non-owner car insurance can be particularly beneficial for high-risk drivers who don’t own a vehicle but still need to drive occasionally. This type of policy can help high-risk drivers maintain continuous insurance coverage, which is often required to reinstate a suspended license or to demonstrate financial responsibility to the state, even when they don’t own a car.

High-risk drivers, including those with at-fault accidents on their driving records or those with poor credit scores, can have a difficult time finding auto insurance coverage. Not only are your rates likely to be higher if you’re in that situation, but some carriers won’t cover you at all.

Acceptance was formed with the idea that even high-risk drivers deserve coverage. The company offers coverage to many types of high-risk drivers:

• Drivers with bad credit
• Drivers with many violations
• Drivers with at-fault accidents
• Young drivers
• Senior drivers

Unfortunately, these factors will increase your premiums, even if you only need a non-owner auto insurance policy.

SR-22 Certificates Available

In some states, you may be required to provide what’s called an SR-22 certificate to your state’s Department of Motor Vehicles. This certificate is additional proof of minimum insurance coverage. Acceptance offers coverage to drivers who need these certificates.

Being a high-risk driver isn’t necessarily the same as needing an SR-22 certificate. In fact, many high-risk drivers don’t require one. Instead, most states require SR-22s of drivers who have broken a law. You might be required to have one if you’ve been found guilty of driving under the influence, negligent driving, driving without insurance, or driving with a suspended license, among other infractions.

An SR-22 is required for the driver, not the vehicle. As a result, even if you don’t own your own vehicle, you may still need an SR-22 to operate a vehicle. Because Acceptance offers both non-owner insurance and SR-22 certificates, this insurer can be a good option if you need an SR-22.

Reimbursement for Tickets

Acceptance offers a ticket reimbursement program that saves you the hassle of paying for speeding tickets. When you sign up for TicketProof through Acceptance, you’ll have coverage for speeding tickets. Up to two times per year, the program will pay up to $100 for a speeding ticket. Additionally, TicketProof will pay for up to $200 in reimbursed legal fees and a $250 reimbursement if you’re required to attend traffic school.