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 cheaper than standard car insurance since it doesn’t cover a Massachusetts driver’s vehicle. The cost varies depending on factors such as driving record, age, years of driving experience and location.
Carinsurance.com Insights
- Non-owner car insurance costs an average of $37 a month in Massachusetts for the coverage limit of 20/40/5.
- The non-owner car insurance rate is $445 per year—lower than liability-only coverage of $655 for Massachusetts drivers.
- State Farm offers the cheapest non-owner car insurance rates in Massachusetts at an average cost of $12 per month.
Do I need non-owner car insurance in Massachusetts?
Non-owner car insurance in Massachusetts 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.
Non-owner insurance can be beneficial for maintaining continuous coverage when you’re between cars, helping to keep your insurance rates lower in the future. It provides liability protection if you’re at fault in an accident, though it doesn’t cover the car you drive.
Average non-owner car insurance cost in Massachusetts
Non-owner car insurance costs $37 a month or $445 per year in Massachusetts for coverage limits of 20/40/5.
Your rates may differ based on your driving record, age, location and the insurance company you choose.
Cheapest non-owner car insurance companies in Massachusetts
CarInsurance.com’s analysis shows that State Farm offers the most affordable non-owner car insurance rates in Massachusetts, at $12 per month. Other insurers like Safety Insurance and Farmers 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.
Below is a table showing the cheapest companies for non-owner car insurance in Massachusetts.
| Company | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| State Farm | $143 | $12 |
| Safety Insurance | $179 | $15 |
| Farmers | $273 | $23 |
| Arbella Insurance | $481 | $40 |
| Progressive | $815 | $68 |
| Plymouth Rock Assurance | $853 | $71 |
| USAA* | $375 | $31 |
Compare non-owner car insurance rates in neighboring states
Non-owner auto insurance in the biggest Massachusetts cities
In Cambridge non-owner auto insurance costs $40 per month or $477 annually, while drivers in Boston pay $43 monthly for the same coverage.
Insurance rates vary by city in Massachusetts. 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 Massachusetts city can lead to higher insurance rates overall, 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 |
|---|---|---|
| Cambridge | $477 | $40 |
| Boston | $515 | $43 |
| Quincy | $531 | $44 |
| Worcester | $535 | $45 |
| Lowell | $536 | $45 |
| New Bedford | $566 | $47 |
| Fall River | $573 | $48 |
| Brockton | $627 | $52 |
| Lynn | $651 | $54 |
| Springfield | $655 | $55 |
Affordable non-owner insurance in Massachusetts, by ZIP code
A 40-year-old Massachusetts driver living in ZIP 1093 pays $324 a year or $27 per month for non-owner car insurance, whereas insurance rates in the ZIP code 1256 is $325 a year or $27 per month for a driver age with a clean driving record.
When should you consider buying non-owner car insurance in Massachusetts?
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.
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 Massachusetts
Non-owner car insurance is a good option in Massachusetts to get auto insurance liability coverage if you rent or borrow vehicles occasionally, 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.
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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