Non-owner car insurance is designed for individuals who often drive vehicles they don’t own. It provides liability coverage, which pays for property damage or bodily injuries you cause while driving someone else’s car. It offers financial protection and peace of mind, helping you avoid substantial, unexpected expenses should an accident occur.
Non-owner car insurance is usually cheaper than standard car insurance since it doesn’t cover a Alabama driver’s vehicle. The cost varies depending on factors such as driving record, age, years of driving experience and location.
CarInsurance.com Insights
- Non-owner car insurance costs an average of $32 a month in Alabama for the coverage limit of 25/50/25.
- The non-owner car insurance rate is $380 per year—lower than liability-only coverage of $639 for Alabama drivers.
- Auto-Owners offers the cheapest non-owner car insurance rates in Alabama at an average cost of $5 per month.
Do I need non-owner car insurance in Alabama?
Non-owner car insurance in Alabama is essential for those who often rent or borrow vehicles. It offers liability coverage in the event that you cause an accident while driving a car you rented or borrowed, helping protect you from costly out-of-pocket expenses. Additionally, it can act as supplementary coverage alongside the car owner’s existing insurance.
Non-owner car insurance is ideal for those who occasionally rent or borrow cars for personal or business purposes. Rather than opting for the expensive insurance offered by rental companies, you can get non-owner car insurance that offers similar coverage at a more affordable price.
Non-owner insurance can be beneficial for maintaining continuous coverage when you’re between cars, helping to keep your insurance rates lower in the future. It provides liability protection if you’re at fault in an accident, though it doesn’t cover the car you drive.
Average non-owner car insurance cost in Alabama
Non-owner car insurance costs $32 a month or $380 per year in Alabama for coverage limits of 25/50/25.
Your rates may differ based on your driving record, age, location and the insurance company you choose.
Cheapest non-owner car insurance companies in Alabama
According to CarInsurance.com’s analysis, Auto-Owners offers the lowest non-owner car insurance rates in Alabama, with an average cost of $5 per month. Travelers and Country Financial also provide affordable non-owner insurance premiums.
Non-owner auto insurance rates can differ depending on your driving history, ZIP code and coverage requirements. You should compare quotes from multiple insurers to find the best rate for your needs.
Below is a table showing the cheapest companies for non-owner car insurance in Alabama.
| Company | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| Auto-Owners | $63 | $5 |
| Travelers | $314 | $26 |
| Country Financial | $357 | $30 |
| Geico | $399 | $33 |
| Nationwide | $459 | $38 |
| Progressive | $487 | $41 |
| Farmers | $532 | $44 |
| State Farm | $782 | $65 |
| USAA* | $150 | $13 |
Non-owner car insurance in Alabama, by age and gender
In Alabama, non-owner car insurance rates differ based on age and gender. For example, if you add a male teen driver to your car insurance, you’ll pay an average of $1,322 a month for insurance, whereas adding a 16-year-old female would cost you around $1,231 monthly.
Young drivers, regardless of gender, generally face higher insurance premiums. Their lack of experience makes them more prone to accidents, raising the risk for insurers. As drivers get older and gain more driving experience, their insurance rates typically decrease in Alabama.
The table below shows how non-owner car insurance rates vary by age and gender in Alabama.
| Driver age | Male | Female |
|---|---|---|
| Teens (16-19) | $1,079 | $1,011 |
| Young Adults (20-24) | $542 | $524 |
| Adults (25-60) | $378 | $382 |
| Seniors (65-75) | $422 | $396 |
Compare non-owner car insurance rates in neighboring states
Non-owner auto insurance in the biggest Alabama cities
Non-owner auto insurance cost in Huntsville is $31 a month or $370 a year, whereas drivers in Dothan pay $32 a month for the same coverage.
In Alabama, car insurance rates differ by city, as insurance companies assess the frequency of accidents, theft and vandalism when determining non-owner car insurance premiums.
The cost of living also determines the premiums. In areas with higher costs of living in Alabama, you can expect to pay more for non-owner insurance.
See how much you’ll pay for non-owner car insurance in your city in the table below.
| City | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| Huntsville | $370 | $31 |
| Dothan | $378 | $32 |
| Auburn | $393 | $33 |
| Tuscaloosa | $395 | $33 |
| Madison | $395 | $33 |
| Montgomery | $397 | $33 |
| Decatur | $406 | $34 |
| Hoover | $407 | $34 |
| Birmingham | $411 | $34 |
| Mobile | $413 | $34 |
Affordable non-owner insurance in Alabama, by ZIP code
A Alabama driver aged 40 living in ZIP code 35544 pays $314 annually or $26 monthly for non-owner car insurance, while a 40-year-old in ZIP code 35592 with a clean driving record pays $320 per year or $27 per month.
When should you consider buying non-owner car insurance in Alabama?
Non-owner car insurance provides coverage for drivers who don’t own a car but still need insurance while driving someone else’s vehicle. This insurance primarily covers liability, helping you pay for any damages or injuries you may cause to others in the event of an accident.
In addition to covering accidents, non-owner car insurance can help fill in gaps, offering extra protection on top of the car owner’s existing policy. It gives the car owner peace of mind, knowing their insurance rates won’t increase because of an accident caused by someone else.
For example, if you are driving a friend’s car and they only have minimum liability coverage, your non-owner insurance can help cover any additional expenses if the accident exceeds their policy limits.
Maintaining continuous coverage is essential to help keep your insurance rates low in the future. Non-owner car insurance is an excellent option if you don’t own a car. Insurance companies may view lapses in coverage as risky, which can lead to higher premiums.
Having non-owner car insurance during these gaps demonstrates your commitment to continuous coverage, which can help you maintain lower rates moving forward.
Final thoughts on non-owner car insurance in Alabama
Non-owner car insurance is an excellent choice in Alabama if you occasionally rent or borrow vehicles, use a car-sharing service or need to file an SR-22 form.
Non-owner car insurance is a valuable type of coverage for individuals who frequently rent or borrow vehicles. It provides liability protection while driving someone else’s car and can supplement any existing coverage the car owner may have.
It is also beneficial for maintaining continuous insurance coverage, which can help keep your rates low in the future. Consider a non-owner car insurance policy if you frequently use vehicles that do not belong to you, and get quotes from three different companies to ensure you’re getting the best rate.
Resources & Methodology
Methodology
CarInsurance.com gathered data on non-owner car insurance rates from Quadrant Information Services. The rates are for non-owner state minimum liability only and the coverage limit varies by state.
To determine non-owner car insurance rates for different companies, CarInsurance.com used a sample profile of a 40-year-old male and female driver who owns a Honda Accord LX with no traffic violations on his record. We compared 53,409,632 insurance quotes across 34,588 ZIP codes from 170 insurance companies in the U.S.
Insurance company: Based on the analysis, we have created lists of the companies that offer non-owner insurance. USAA also made it to the list, but it provides services only to current and former military members and their families.
Age group: Non-owner car insurance rates are calculated by evaluating the sample profile for different age groups.
- Teens: Age 16-19
- Young adults: Age 20-24
- Adult drivers: Age 25-60
- Senior drivers: Age 65-75
To get non-owner car insurance rates for different cities and age groups we have compared 53,409,632 car insurance quotes across 34,588 ZIP codes from 75 company groups nationwide. These are sample rates and should only be used for comparison purposes.
These are sample rates and should only be used for comparison purposes.
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