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 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 $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 is ideal for those who occasionally rent or borrow cars for personal or business purposes. Rather than opting for the expensive insurance offered by rental companies, you can get non-owner car insurance that offers similar coverage at a more affordable price.
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.
This rate may be higher or lower based on your driving profile, age, location and insurance company.
Cheapest non-owner car insurance companies in Iowa
CarInsurance.com’s analysis shows that State Farm offers the most affordable non-owner car insurance rates in Iowa, at $7 per month. Other insurers like West Bend Insurance Company and IMT Insurance also offer affordable 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 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 |
Note: *USAA is only available to military community members and their families.
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 .
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 Iowa.
The table below shows how non-owner car insurance rates vary by age and gender in Iowa.
| 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.
Car insurance premiums in Iowa 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 Iowa generally pay higher insurance premiums, 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 |
|---|---|---|
| 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 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 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.
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 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.
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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