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 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.
CarInsurance.com Insights
- Non-owner car insurance costs an average of $37 a month in Maryland for the coverage limit of 30/60/15.
- The non-owner car insurance rate is $438 per year—lower than liability-only coverage of $756 for Maryland drivers.
- Geico offers the cheapest non-owner car insurance rates in Maryland at an average cost of $11 per month.
Do I need non-owner car insurance in Maryland?
Non-owner car insurance in Maryland is crucial for individuals who frequently rent or borrow vehicles. It provides liability coverage if you cause an accident while driving a vehicle not owned by you, protecting you from potential out-of-pocket expenses. It can also supplement any existing coverage the car owner may have.
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 Maryland
Non-owner car insurance costs $37 a month or $438 per year in Maryland for coverage limits of 30/60/15.
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 Maryland
CarInsurance.com’s analysis shows that Geico offers the most affordable non-owner car insurance rates in Maryland, at $11 per month. Other insurers like Kemper and Erie Insurance 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.
See the cheapest companies for non-owner car insurance in Maryland in the table below.
| Company | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| Geico | $134 | $11 |
| Kemper | $292 | $24 |
| Erie Insurance | $304 | $25 |
| Nationwide | $330 | $28 |
| Travelers | $486 | $41 |
| Progressive | $845 | $70 |
| Penn National Insurance | $1,002 | $84 |
| USAA* | $186 | $16 |
Non-owner car insurance in Maryland, by age and gender
Non-owner car insurance costs in Maryland can vary by age and gender. When you add a male teen driver to your car insurance, your premiums could go up by $950 a month, while adding a 16-year-old female might increase your monthly cost by $817.
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 Maryland.
The table below shows the cost of non-owner car insurance based on age and gender.
| Driver age | Male | Female |
|---|---|---|
| Teens (16-19) | $788 | $701 |
| Young Adults (20-24) | $521 | $506 |
| Adults (25-60) | $438 | $442 |
| Seniors (65-75) | $467 | $467 |
Compare non-owner car insurance rates in neighboring states
Non-owner auto insurance in the biggest Maryland cities
Non-owner auto insurance cost in Hagerstown is $32 a month or $380 a year, whereas drivers in Salisbury pay $33 a month for the same coverage.
Insurance rates vary by city in Maryland. 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 is another factor that influences non-owner car insurance rates. Cities with higher costs of living in Maryland 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 |
|---|---|---|
| Hagerstown | $380 | $32 |
| Salisbury | $392 | $33 |
| Frederick | $398 | $33 |
| Laurel | $405 | $34 |
| College Park | $422 | $35 |
| Bowie | $450 | $38 |
| Annapolis | $457 | $38 |
| Rockville | $479 | $40 |
| Gaithersburg | $482 | $40 |
| Baltimore | $538 | $45 |
Affordable non-owner insurance in Maryland, by ZIP code
In Maryland, a 40-year-old driver living in ZIP code 21539 pays $345 a year or $29 per month for non-owner insurance, while the coverage costs $346 a year or $29 per month for a driver in ZIP code 21545 with a clean driving record.
When should you consider buying non-owner car insurance in Maryland?
Non-owner car insurance provides coverage for drivers who don’t own a car but still need insurance while driving someone else’s vehicle. This insurance primarily covers liability, helping you pay for any damages or injuries you may cause to others in the event of an accident.
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’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.
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 Maryland
Non-owner car insurance in Maryland 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.
Non-owner car insurance is a smart way to maintain continuous coverage, helping you secure lower rates in the future. If you drive cars that aren’t your own regularly, be sure to get quotes from different companies to find 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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