The Best Non-Owner Auto Insurance

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.¹ 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 the reasons many people love Allstate 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.

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.

Highly Rated Customer Service

One of the areas where Allstate really stands out is its customer service. First, the company has a rating of 889 out of 1,000 in the nationwide J.D. Power 2022 U.S. Auto Claims Satisfaction Study. That leaves Allstate ranking fifth among all companies in this study.

It is important to note that when J.D. Power breaks down customer satisfaction by region, Allstate doesn’t rank highly everywhere. This is most notable in New England, where Allstate ranks last among companies rated.

Additionally, Allstate ranks well in the National Association of Insurance Commissioners (NAIC) Complaint Index Report. The NAIC takes complaints from insurance customers and uses them to compile this report.

According to this data, Allstate has a below-average complaint index for its private passenger insurance. Allstate’s index is 0.74 compared to the market average of 1.0. NAIC finds this number by dividing Allstate’s share of complaints by its auto insurance market share.³

State Farm is the largest auto insurance company on the market in terms of premiums written. It accounts for an impressive 16 percent of the U.S. market, and it’s easy to see why. Its affordable rates and financial strength 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 insurance premium of $1,419 per year. That’s lower than every other provider on this list other than USAA, which isn’t available to most customers.

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.

Excellent Financial Strength

If you want a company with proven financial strength, look no further than State Farm. State Farm has a financial strength rating of A++ from AM Best, which is the highest rating possible. Only one other company on our list — USAA — has a financial strength rating as high as State Farm.⁴

So why is this important? If you file a claim on your non-owner insurance policy, you want to know that your insurance company can pay it out. The financially stronger the company is, the more likely it’ll be able to meet those financial obligations.

Savings for Safe Drivers

State Farm has several discounts available to help drivers save on their premiums.

• 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 premium 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

Farmers has a better bundled policy discount than most providers. Most of the insurers on our list with a multipolicy discount only offer it when you bundle your home and auto insurance policies. State Farm is the only other exception; it gives you 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

A final area where Farmers shines is its affinity group discounts. Farmers 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

Another discount Farmers offers that many insurers don’t is a military discount. You’ll get a discount on your premiums if 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.

USAA is a financial services company that caters 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. Our internal data shows the company has an average annual premium of $1,151, which is more than $500 cheaper than the average across all companies.

Non-owner insurance policyholders can save even more. Because non-owner policies tend to be cheaper than standard auto insurance, you can expect your premiums to be only a few hundred dollars per year. USAA is the cheapest company on our list for non-owner car insurance quotes, with the average annual policy costing about $250.

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 Service

USAA consistently ranks among the best when it comes to customer satisfaction. First, in the J.D. Power claims satisfaction study, USAA has a score of 890, placing it lower than just three other companies on the market: Amica Mutual, NJM Insurance Group, and Erie Insurance.

Additionally, USAA ranks well for customer satisfaction in J.D. Power’s regional studies. USAA has the highest customer satisfaction rating in all but one of J.D. Power’s regions. And in that region, California, J.D. Power was the second highest-ranking company behind Wawanesa.

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

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.