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.
CarInsurance.com Insights
- Non-owner car insurance costs an average of $33 a month in Connecticut for the coverage limit of 25/50/25.
- The non-owner car insurance rate is $395 per year—lower than liability-only coverage of $783 for Connecticut drivers.
- State Farm offers the cheapest non-owner car insurance rates in Connecticut at an average cost of $22 per month.
Do I need non-owner car insurance in Connecticut?
Non-owner car insurance in Connecticut 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 Connecticut
Non-owner car insurance costs an average of $33 a month and $395 per year in Connecticut for the coverage limit of 25/50/25.
This rate may be higher or lower based on your driving profile, age, location and insurance company.
Cheapest non-owner car insurance companies in Connecticut
State Farm offers the cheapest non-owner car insurance rates in Connecticut at an average cost of $22 per month, based on CarInsurance.com’s analysis. Other than State Farm, Geico and Nationwide also have cheap non-owner insurance premiums.
Non-owner auto insurance rates may vary based on your driving record, ZIP code, and coverage needs. It’s a good idea to compare quotes from multiple insurers to find the best rate for your specific situation.
See the cheapest companies for non-owner car insurance in Connecticut in the table below.
| Company | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| State Farm | $269 | $22 |
| Geico | $429 | $36 |
| Nationwide | $660 | $55 |
| USAA* | $390 | $33 |
Non-owner car insurance in Connecticut, by age and gender
Non-owner car insurance costs in Connecticut can vary by age and gender. When you add a male teen driver to your car insurance, your premiums could go up by $932 a month, while adding a 16-year-old female might increase your monthly cost by $908.
Young drivers, both male and female, typically pay higher insurance rates. Inexperienced drivers are more likely to be involved in accidents, which increases the risk for insurance companies. As drivers age, they gain more experience behind the wheel and thus pay lower rates compared to teen drivers in Connecticut.
See how much you’ll pay for non-owner car insurance by age and gender in the table below.
| Driver age | Male | Female |
|---|---|---|
| Teens (16-19) | $722 | $698 |
| Young Adults (20-24) | $490 | $487 |
| Adults (25-60) | $399 | $393 |
| Seniors (65-75) | $432 | $421 |
Compare non-owner car insurance rates in neighboring states
Non-owner auto insurance in the biggest Connecticut cities
In Norwalk the average cost of non-owner auto insurance is $31 per month or $373 per year, and Danbury drivers pay $32 a month for the same coverage.
In Connecticut, 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 is another factor that influences non-owner car insurance rates. Cities with higher costs of living in Connecticut generally pay higher insurance premiums, including non-owner car 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 |
|---|---|---|
| Norwalk | $373 | $31 |
| Danbury | $380 | $32 |
| Stamford | $388 | $32 |
| Bristol | $390 | $33 |
| Meriden | $397 | $33 |
| New Britain | $425 | $35 |
| Waterbury | $485 | $40 |
| Hartford | $494 | $41 |
| Bridgeport | $505 | $42 |
| New Haven | $508 | $42 |
Affordable non-owner insurance in Connecticut, by ZIP code
A 40-year-old Connecticut driver living in ZIP 6414 pays $324 a year or $27 per month for non-owner car insurance, whereas insurance rates in the ZIP code 6438 is $328 a year or $27 per month for a driver age with a clean driving record.
When should you consider buying non-owner car insurance in Connecticut?
Non-owner car insurance is designed for individuals who do not own a vehicle but still need coverage for the times they drive a car that is not their own. This type of insurance typically provides liability coverage, which means it will cover any damages or injuries that you may cause to others while driving someone else’s vehicle.
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 instance, if you’re driving a friend’s car and their insurance only includes minimum liability coverage, your non-owner policy can help cover any extra costs if the accident exceeds their policy’s limits.
Keeping continuous insurance coverage is key to securing lower rates in the future. This includes having non-owner car insurance when you don’t own a vehicle. Insurance companies often see gaps in coverage as a sign of high risk, which could lead to higher premiums.
Maintaining non-owner car insurance during this time proves your commitment to continuous coverage, helping to keep your insurance rates more affordable in the long run.
Final thoughts on non-owner car insurance in Connecticut
Non-owner car insurance is a good option in Connecticut to get auto insurance liability coverage if you rent or borrow vehicles occasionally, 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.
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. 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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