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 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 $31 a month in Kentucky for the coverage limit of 25/50/25.
- The non-owner car insurance rate is $375 per year—lower than liability-only coverage of $810 for Kentucky drivers.
- Auto-Owners offers the cheapest non-owner car insurance rates in Kentucky at an average cost of $8 per month.
Do I need non-owner car insurance in Kentucky?
Non-owner car insurance in Kentucky 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.
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 Kentucky
Kentucky drivers can expect to pay an average of $31 per month or $375 annually for non-owner car insurance with a coverage limit of 25/50/25.
Your rates may differ based on your driving record, age, location and the insurance company you choose.
Cheapest non-owner car insurance companies in Kentucky
CarInsurance.com’s analysis shows that Auto-Owners offers the most affordable non-owner car insurance rates in Kentucky, at $8 per month. Other insurers like State Farm and Shelter 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.
Below is a table showing the cheapest companies for non-owner car insurance in Kentucky.
| Company | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| Auto-Owners | $96 | $8 |
| State Farm | $263 | $22 |
| Shelter Insurance | $391 | $33 |
| Travelers | $415 | $35 |
| Geico | $417 | $35 |
| Allstate | $640 | $53 |
| Progressive | $822 | $69 |
| USAA* | $209 | $17 |
Non-owner car insurance in Kentucky, by age and gender
Non-owner car insurance costs in Kentucky vary by age and gender. If you add a male teen driver to your car insurance, expect to pay an average of $1,041 monthly, whereas if you add a 16-year-old female, you’ll pay $728 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 Kentucky.
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) | $819 | $676 |
| Young Adults (20-24) | $524 | $474 |
| Adults (25-60) | $375 | $375 |
| Seniors (65-75) | $398 | $373 |
Compare non-owner car insurance rates in neighboring states
Non-owner auto insurance in the biggest Kentucky cities
Non-owner auto insurance cost in Nicholasville is $26 a month or $307 a year, whereas drivers in Lexington pay $27 a month for the same coverage.
Insurance rates vary by city in Kentucky. Car insurance companies consider the rate of accidents, theft, and vandalism in a particular area when determining the premiums for non-owner car insurance.
Another factor that affects non-owner car insurance rates is the cost of living. Higher living expenses in any Kentucky city can lead to higher insurance rates overall, 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 |
|---|---|---|
| Nicholasville | $307 | $26 |
| Lexington | $324 | $27 |
| Covington | $326 | $27 |
| Jeffersontown | $337 | $28 |
| Owensboro | $339 | $28 |
| Florence | $346 | $29 |
| Bowling Green | $354 | $30 |
| Elizabethtown | $356 | $30 |
| Georgetown | $365 | $30 |
| Richmond | $366 | $31 |
| Jeffersonville | $367 | $31 |
| Louisville | $423 | $35 |
Affordable non-owner insurance in Kentucky, by ZIP code
A 40-year-old Kentucky driver living in ZIP 41264 pays $262 a year or $22 per month for non-owner car insurance, whereas insurance rates in the ZIP code 41232 is $279 a year or $23 per month for a driver age with a clean driving record.
When should you consider buying non-owner car insurance in Kentucky?
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 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.
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 Kentucky
Non-owner car insurance is an excellent choice in Kentucky 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.
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