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 more affordable than regular car insurance, as it doesn’t cover your own vehicle. The premium varies based on your driving record, age and location.
- 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 crucial for individuals who frequently rent or borrow vehicles. It provides liability coverage if you cause an accident while driving a vehicle not owned by you, protecting you from potential out-of-pocket expenses. It can also supplement any existing coverage the car owner may have.
One common scenario where non-owner car insurance comes into play is when individuals frequently rent cars for personal or business use. Instead of purchasing insurance through the rental car company, which can be expensive, non-owner car insurance can provide similar coverage at a more affordable cost.
Additionally, keeping continuous insurance coverage, such as non-owner insurance when you’re between vehicles, can help keep your insurance premiums lower in the future. It offers coverage if you’re involved in an accident and deemed at fault. However, it does not cover the vehicle you are driving.
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.
Your non-owner auto insurance rate may vary based on your driving history, ZIP code and coverage limits. Comparing quotes from multiple insurers can help you find the best insurance policy at affordable rates.
The table below highlights the cheapest non-owner car insurance companies 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 |
Note: *USAA is only available to military community members and their families.
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 the cost of non-owner car insurance based on age and gender.
| 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
In Huntsville non-owner auto insurance costs $31 per month or $370 annually, while drivers in Dothan pay $32 monthly 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.
Aside from providing coverage for accidents, non-owner car insurance can also supplement any existing coverage the car owner may have. It can offer peace of mind to the car owner, as they will not have to worry about their own insurance rates increasing due to 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.
Moreover, maintaining continuous insurance coverage is important for keeping your future insurance rates low. This includes having non-owner car insurance when you may not own a vehicle. Insurance companies often view gaps in coverage as high-risk behavior, which can result in higher premiums.
By having non-owner car insurance during these gaps, you are demonstrating responsible and continuous insurance coverage, which can help keep your rates low in the future.
Final thoughts on non-owner car insurance in Alabama
Non-owner car insurance in Alabama is ideal for those who rent or borrow vehicles, use car-sharing services or are required to file an SR-22 form.
Non-owner car insurance provides valuable liability protection for individuals who regularly rent or borrow cars while behind the wheel. It can also work alongside the car owner’s coverage to offer additional protection.
Non-owner car insurance is a smart way to maintain continuous coverage, helping you secure lower rates in the future. If you drive cars that aren’t your own regularly, be sure to get quotes from different companies to find 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.
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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