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 Idaho 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 $16 a month in Idaho for the coverage limit of 25/50/15.
- The non-owner car insurance rate is $187 per year—lower than liability-only coverage of $440 for Idaho drivers.
- Auto-Owners offers the cheapest non-owner car insurance rates in Idaho at an average cost of $2 per month.
Do I need non-owner car insurance in Idaho?
Non-owner car insurance in Idaho is important for renting or borrowing cars. It helps cover costs if you’re at fault in an accident while driving a car you don’t own, so you’re not stuck paying for damages out of pocket. Also, it can work alongside the car owner’s insurance to offer additional coverage.
Non-owner car insurance often benefits people who frequently rent cars for personal or business use. Instead of opting for expensive coverage through the rental company, you can consider getting non-owner insurance that offers the same level of protection at a more affordable rate.
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 Idaho
Idaho drivers can expect to pay an average of $16 per month or $187 annually for non-owner car insurance with a coverage limit of 25/50/15.
Your rates may differ based on your driving record, age, location and the insurance company you choose.
Cheapest non-owner car insurance companies in Idaho
CarInsurance.com’s analysis shows that Auto-Owners offers the most affordable non-owner car insurance rates in Idaho, at $2 per month. Other insurers like Geico and State Farm also offer affordable 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.
The table below highlights the cheapest non-owner car insurance companies in Idaho.
| Company | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| Auto-Owners | $29 | $2 |
| Geico | $138 | $12 |
| State Farm | $186 | $16 |
| Nationwide | $220 | $18 |
| Travelers | $247 | $21 |
| Sentry Insurance | $249 | $21 |
| Farmers | $355 | $30 |
| USAA* | $76 | $6 |
Non-owner car insurance in Idaho, by age and gender
Non-owner car insurance costs in Idaho can vary by age and gender. When you add a male teen driver to your car insurance, your premiums could go up by $764 a month, while adding a 16-year-old female might increase your monthly cost by $701.
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 Idaho.
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) | $582 | $533 |
| Young Adults (20-24) | $265 | $249 |
| Adults (25-60) | $187 | $187 |
| Seniors (65-75) | $197 | $188 |
Compare non-owner car insurance rates in neighboring states
Non-owner auto insurance in the biggest Idaho cities
Non-owner auto insurance cost in Post Falls is $17 a month or $199 a year, whereas drivers in Rexburg pay $17 a month for the same coverage.
Car insurance premiums in Idaho vary by city, with insurers adjusting non-owner car insurance rates based on factors such as the frequency of accidents, theft and vandalism in the area.
The cost of living is another factor that influences non-owner car insurance rates. Cities with higher costs of living in Idaho generally pay higher insurance premiums, including non-owner car insurance.
See the table below for the cost of non-owner car insurance in your city.
| City | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| Post Falls | $199 | $17 |
| Rexburg | $199 | $17 |
| Coeur d’Alene | $204 | $17 |
| Twin Falls | $204 | $17 |
| Pocatello | $211 | $18 |
| Idaho Falls | $217 | $18 |
| Boise City | $218 | $18 |
| Meridian | $219 | $18 |
| Caldwell | $225 | $19 |
| Nampa | $233 | $19 |
Affordable non-owner insurance in Idaho, by ZIP code
A 40-year-old Idaho driver living in ZIP 83530 pays $166 a year or $14 per month for non-owner car insurance, whereas insurance rates in the ZIP code 83525 is $168 a year or $14 per month for a driver age with a clean driving record.
When should you consider buying non-owner car insurance in Idaho?
Non-owner car insurance is for individuals who don’t own a vehicle but still need coverage when driving someone else’s car. It generally offers liability coverage, which protects you if you cause damage or injury to others while driving a rented or borrowed vehicle.
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.
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 Idaho
Non-owner car insurance is an excellent choice in Idaho 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.
Get advice from an experienced insurance professional. Our experts will help you navigate your insurance questions with clarity and confidence.
Browse all FAQs