Non-owner car insurance covers people who drive but don’t own a car. This type of insurance provides liability coverage, which means it will cover any damages or injuries that you may cause to others while driving someone else’s vehicle. It’s important as it offers peace of mind and financial protection, saving you from potential out-of-pocket expenses from accidental liabilities.
Non-owner car insurance generally costs less than standard car insurance because it doesn’t cover the vehicle you’re driving. However, insurance rates vary based on your age, driving history and location.
- 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 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.
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.
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
Non-owner car insurance costs $16 a month or $187 per year in Idaho for coverage limits of 25/50/15.
This rate can vary depending on factors such as your driving history, age, location and the insurance company.
Cheapest non-owner car insurance companies in Idaho
According to CarInsurance.com’s analysis, Auto-Owners offers the lowest non-owner car insurance rates in Idaho, with an average cost of $2 per month. Geico and State Farm also provide affordable 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 Idaho in the table below.
| 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 |
Note: *USAA is only available to military community members and their families.
Non-owner car insurance in Idaho, by age and gender
Non-owner car insurance costs in Idaho vary by age and gender. If you add a male teen driver to your car insurance, expect to pay an average of $764 monthly, whereas if you add a 16-year-old female, you’ll pay $701 per month, based on CarInsurance.com’s analysis.
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 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
In Post Falls non-owner auto insurance costs $17 per month or $199 annually, while drivers in Rexburg pay $17 monthly 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.
Another factor that affects non-owner car insurance rates is the cost of living. Higher living expenses in any Idaho city can lead to higher insurance rates overall, including non-owner car insurance.
The table below shows how much you’ll pay for non-owner car insurance based on 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 Idaho driver aged 40 living in ZIP code 83530 pays $166 annually or $14 monthly for non-owner car insurance, while a 40-year-old in ZIP code 83525 with a clean driving record pays $168 per year or $14 per month.
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.
Non-owner car insurance provides coverage for accidents and can serve as an additional layer of protection that complements the car owner’s current policy. It reassures the car owner that they won’t have to worry about their insurance rates going up due to an accident caused by another driver.
For example, if you’re driving a friend’s vehicle with only basic liability coverage, your non-owner insurance can help cover the extra costs if the damages exceed their policy’s coverage 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.
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 Idaho
Non-owner car insurance is a good option in Idaho 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 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.
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.
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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