Estimate a liability-only policy for drivers who don't own a car
Estimate = your state's average non-owner premium × the national age factor for your age (national average is set at age 40). Real quotes vary with driving record, insurance score, mileage, and carrier.
| State | Non-owner (annual) | Non-owner (monthly) | Full coverage (annual) |
|---|---|---|---|
| Alabama | $469 | $39 | $2,116 |
| Alaska | $296 | $25 | $2,167 |
| Arizona | $652 | $54 | $2,420 |
| Arkansas | $440 | $37 | $2,942 |
| California | $500 | $42 | $3,444 |
| Colorado | $506 | $42 | $3,181 |
| Connecticut | $1,054 | $88 | $2,742 |
| Delaware | $936 | $78 | $3,157 |
| Washington, D.C. | $661 | $55 | $3,465 |
| Florida | $668 | $56 | $3,916 |
| Georgia | $510 | $43 | $2,503 |
| Hawaii | $389 | $32 | $1,757 |
| Idaho | $297 | $25 | $1,901 |
| Illinois | $518 | $43 | $1,938 |
| Indiana | $320 | $27 | $1,894 |
| Iowa | $280 | $23 | $2,460 |
| Kansas | $408 | $34 | $2,496 |
| Kentucky | $499 | $42 | $2,624 |
| Louisiana | $410 | $34 | $3,999 |
| Maine | $271 | $23 | $1,808 |
| Maryland | $516 | $43 | $1,999 |
| Massachusetts | $686 | $57 | $2,429 |
| Michigan | $855 | $71 | $3,964 |
| Minnesota | $352 | $29 | $2,591 |
| Mississippi | $474 | $40 | $2,397 |
| Missouri | $346 | $29 | $2,151 |
| Montana | $412 | $34 | $2,476 |
| Nebraska | $402 | $34 | $2,095 |
| Nevada | $823 | $69 | $3,963 |
| New Hampshire | $437 | $36 | $1,689 |
| New Jersey | $1,141 | $95 | $3,122 |
| New Mexico | $413 | $34 | $2,577 |
| New York | $606 | $51 | $2,596 |
| North Carolina | $681 | $57 | $2,638 |
| North Dakota | $353 | $29 | $2,439 |
| Ohio | $291 | $24 | $1,783 |
| Oklahoma | $477 | $40 | $2,993 |
| Oregon | $644 | $54 | $2,048 |
| Pennsylvania | $279 | $23 | $2,327 |
| Rhode Island | $511 | $43 | $2,878 |
| South Carolina | $448 | $37 | $2,417 |
| South Dakota | $216 | $18 | $2,575 |
| Tennessee | $507 | $42 | $2,235 |
| Texas | $564 | $47 | $3,106 |
| Utah | $658 | $55 | $2,356 |
| Vermont | $460 | $38 | $1,660 |
| Virginia | $549 | $46 | $1,835 |
| Washington | $516 | $43 | $2,389 |
| West Virginia | $442 | $37 | $2,415 |
| Wisconsin | $398 | $33 | $2,343 |
| Wyoming | $270 | $23 | $2,061 |
Source: Insure.com analysis of Quadrant Information Services rate data — a 40-year-old driver with a good insurance score and no violations, 10,000 annual miles, liability-only non-owner coverage. Full-coverage column shows what an owned-car policy with comprehensive and collision averages in the same state.
| Age | Average annual | vs age 40 | Age | Average annual | vs age 40 |
|---|---|---|---|---|---|
| 16 | $1,660 | +242% | 35 | $497 | +2% |
| 17 | $1,346 | +177% | 40 | $486 | baseline |
| 18 | $1,160 | +139% | 45 | $480 | -1% |
| 19 | $884 | +82% | 50 | $466 | -4% |
| 20 | $808 | +66% | 55 | $460 | -5% |
| 21 | $689 | +42% | 60 | $461 | -5% |
| 22 | $645 | +33% | 65 | $477 | -2% |
| 23 | $604 | +24% | 70 | $509 | +5% |
| 24 | $580 | +19% | 75 | $556 | +14% |
| 25 | $551 | +13% | 30 | $508 | +5% |
National averages by age for the same liability-only non-owner profile. Teens pay more than three times what a 50-something pays; rates bottom out in the 50s and climb again past 70.
| Company | Average annual premium |
|---|---|
| USAA* | $207 |
| GEICO | $458 |
| Travelers | $464 |
| State Farm | $555 |
| Farmers | $615 |
| Progressive | $708 |
| Nationwide | $758 |
| Allstate | $826 |
*USAA is limited to the military community and their families. The spread between the cheapest and priciest major carrier here is about $619 a year for the same coverage — carrier choice is the one cost factor fully in your control.
Non-owner car insurance is a liability-only policy for people who drive but don't own a car — frequent renters, people who borrow family vehicles, drivers keeping coverage continuous between cars, and anyone who needs an SR-22 without a vehicle to insure. Because there's no collision or comprehensive layer, it costs a fraction of a full policy.
Estimate = state average × age factor. The state average is what a 40-year-old with a clean record pays for liability-only non-owner coverage in your state, and the age factor is your age's national average divided by the age-40 national average ($486). Monthly = annual ÷ 12; six-month term = annual ÷ 2. If you check the SR-22 box, the filing fee is added once to the first year.
Pick your state and age. The number that comes back is a planning estimate for a clean record — violations, especially a DUI, push premiums up sharply, and the SR-22 fee is just the paperwork, not the surcharge. Compare the result against the full-coverage average for your state to see the spread you're capturing by not insuring a car you don't have.
An Ohio driver, age 30. Ohio's average non-owner premium is $291, and the age-30 factor is 508 ÷ 486 = 1.045. Estimate: $291 × 1.045 ≈ $304 a year, about $25 a month, $152 a six-month term. Full coverage in Ohio averages $1,783, so the non-owner policy saves about $1,479 a year over insuring an owned car comprehensively.
Now a harder case: a 22-year-old in New Jersey. $1,141 × (645 ÷ 486) ≈ $1,514 a year, or $126 a month — more than triple the national average before any surcharge. Add an SR-22 with a $30 filing fee and the first year is $1,544. In expensive states at young ages, it pays to quote several carriers: the company table above shows a $619 spread for identical coverage.
Non-owner car insurance averages $486 a year nationwide, about $41 a month. Most drivers pay somewhere between $200 and $1,150 a year depending on state, with South Dakota the cheapest at $216 and New Jersey the priciest at $1,141. Your age moves the number too: a 16-year-old averages $1,660 while drivers in their 50s average around $460.
It is liability-only coverage: it pays for injuries and property damage you cause to other people while driving a borrowed or rented car. It does not cover damage to the car you are driving, because it carries no collision or comprehensive coverage. It also usually includes the state-required minimum liability limits, and it keeps your insurance history continuous between vehicles.
Four common cases: you rent cars often, you regularly borrow cars from friends or family, you are between cars and want to avoid a coverage lapse that raises future rates, or you need an SR-22 filing to reinstate a license but do not own a vehicle. If you drive the same household member's car weekly, you should usually be added to their policy instead.
Less, typically much less. Because it excludes collision and comprehensive, a non-owner policy runs a fraction of full coverage: nationally $486 a year versus $2,000-plus for full coverage on an owned car. Even compared with a liability-only owner policy it is usually a bit cheaper because low-mileage occasional drivers present less risk.
The SR-22 filing itself costs only $15 to $50, a one-time fee your insurer charges to submit proof of coverage to the state. What raises the premium is the violation that triggered the SR-22, not the form. Filing typically stays on your record about three years, and not every insurer writes SR-22s, so shopping among carriers that do matters more than the filing fee.
Sometimes. Many states require an SR-22 or equivalent proof of financial responsibility before reinstatement, and a non-owner SR-22 policy is the standard path for drivers who do not own a car. Availability depends on the insurer and state rules, so expect to compare a few carriers.