Non-owner car insurance is perfect for those who drive occasionally but don’t own a car. It provides liability coverage, ensuring that any damages or injuries you cause to others while driving someone else’s car are covered. With this insurance, you can drive knowing you’re financially protected.
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.
CarInsurance.com Insights
- Non-owner car insurance costs an average of $13 a month in Iowa for the coverage limit of 20/40/15.
- The non-owner car insurance rate is $153 per year—lower than liability-only coverage of $320 for Iowa drivers.
- State Farm offers the cheapest non-owner car insurance rates in Iowa at an average cost of $7 per month.
Do I need non-owner car insurance in Iowa?
Non-owner car insurance in Iowa 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 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.
Furthermore, maintaining continuous insurance coverage, including non-owner insurance when you’re between cars, can help keep your insurance rates low in the future. It can protect you if you’re involved in an accident and are found to be at fault. However, it doesn’t provide coverage for the vehicle you’re driving.
Average non-owner car insurance cost in Iowa
Non-owner car insurance costs $13 a month or $153 per year in Iowa for coverage limits of 20/40/15.
Your rates may differ based on your driving record, age, location and the insurance company you choose.
Cheapest non-owner car insurance companies in Iowa
State Farm offers the cheapest non-owner car insurance rates in Iowa at an average cost of $7 per month, based on CarInsurance.com’s analysis. Other than State Farm, West Bend Insurance Company and IMT Insurance also have cheap 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.
Below is a table showing the cheapest companies for non-owner car insurance in Iowa.
| Company | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| State Farm | $88 | $7 |
| West Bend Insurance Company | $138 | $12 |
| IMT Insurance | $140 | $12 |
| Iowa Farm Bureau | $143 | $12 |
| Grinnell Mutual | $156 | $13 |
| Geico | $178 | $15 |
| Progressive | $229 | $19 |
| Travelers | $234 | $20 |
| USAA* | $71 | $6 |
Non-owner car insurance in Iowa, by age and gender
Non-owner car insurance costs in Iowa can vary by age and gender. When you add a male teen driver to your car insurance, your premiums could go up by $589 a month, while adding a 16-year-old female might increase your monthly cost by $536.
Both male and female teen drivers usually pay higher insurance premiums because they are considered higher risk due to their inexperience. As drivers age and gain more experience, they generally see a decrease in their insurance costs in Iowa.
The table below shows the cost of non-owner car insurance based on age and gender.
| Driver age | Male | Female |
|---|---|---|
| Teens (16-19) | $441 | $399 |
| Young Adults (20-24) | $238 | $229 |
| Adults (25-60) | $152 | $155 |
| Seniors (65-75) | $164 | $160 |
Compare non-owner car insurance rates in neighboring states
Non-owner auto insurance in the biggest Iowa cities
In Ames non-owner auto insurance costs $13 per month or $159 annually, while drivers in Iowa City pay $14 monthly for the same coverage.
Insurance rates vary by city in Iowa. Car insurance companies consider the rate of accidents, theft, and vandalism in a particular area when determining the premiums for non-owner car insurance.
The cost of living also determines the premiums. In areas with higher costs of living in Iowa, you can expect to pay more for non-owner 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 |
|---|---|---|
| Ames | $159 | $13 |
| Iowa City | $162 | $14 |
| Ankeny | $175 | $15 |
| Waterloo | $178 | $15 |
| West Des Moines | $181 | $15 |
| Cedar Rapids | $186 | $16 |
| Sioux City | $196 | $16 |
| Council Bluffs | $198 | $17 |
| Davenport | $199 | $17 |
| Des Moines | $200 | $17 |
Affordable non-owner insurance in Iowa, by ZIP code
In Iowa, a 40-year-old driver living in ZIP code 50060 pays $136 a year or $11 per month for non-owner insurance, while the coverage costs $137 a year or $11 per month for a driver in ZIP code 52144 with a clean driving record.
When should you consider buying non-owner car insurance in Iowa?
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.
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 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.
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.
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 Iowa
Non-owner car insurance in Iowa 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.
By maintaining continuous coverage with a non-owner car insurance policy, you can keep your rates lower in the future. If you regularly use rented or borrowed vehicles, get quotes from multiple insurance companies to ensure you get the best deal.
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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