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 is usually cheaper than standard car insurance since it doesn’t cover a Maryland driver’s vehicle. The cost varies depending on factors such as driving record, age, years of driving experience and location.
- 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 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 Maryland
Non-owner car insurance costs $37 a month or $438 per year in Maryland for coverage limits of 30/60/15.
This rate may be higher or lower based on your driving profile, age, location and insurance company.
Cheapest non-owner car insurance companies in 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.
The table below highlights the cheapest non-owner car insurance companies in Maryland.
| 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 |
Note: *USAA is only available to military community members and their families.
Non-owner car insurance in Maryland, by age and gender
In Maryland, non-owner car insurance rates differ based on age and gender. For example, if you add a male teen driver to your car insurance, you’ll pay an average of $950 a month for insurance, whereas adding a 16-year-old female would cost you around $817 monthly.
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 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.
Another factor that affects non-owner car insurance rates is the cost of living. Higher living expenses in any Maryland 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 |
|---|---|---|
| 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 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.
Aside from providing coverage for accidents, non-owner car insurance can also supplement any existing coverage the car owner may have. It can offer peace of mind to the car owner, as they will not have to worry about their own insurance rates increasing due to 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.
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.
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 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.
It is a good option for those who often rent or borrow vehicles as it offers liability coverage when driving someone else’s car and can supplement the car owner’s existing insurance policy.
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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