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.
- 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 important for renting or borrowing cars. It helps cover costs if you’re at fault in an accident while driving a car you don’t own, so you’re not stuck paying for damages out of pocket. Also, it can work alongside the car owner’s insurance to offer additional coverage.
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.
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 Massachusetts
Non-owner car insurance costs an average of $37 a month and $445 per year in Massachusetts for the coverage limit 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
According to CarInsurance.com’s analysis, State Farm offers the lowest non-owner car insurance rates in Massachusetts, with an average cost of $12 per month. Safety Insurance and Farmers also provide affordable non-owner insurance 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 |
Note: *USAA is only available to military community members and their families.
Compare non-owner car insurance rates in neighboring states
Non-owner auto insurance in the biggest Massachusetts cities
In Cambridge the average cost of non-owner auto insurance is $40 per month or $477 per year, and Boston drivers pay $43 a month for the same coverage.
In Massachusetts, car insurance rates differ by city, as insurance companies assess the frequency of accidents, theft and vandalism when determining non-owner car insurance premiums.
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.
See the table below for the cost of non-owner car insurance in 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 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.
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 example, if you are driving a friend’s car and they only have minimum liability coverage, your non-owner insurance can help cover any additional expenses if the accident exceeds their policy limits.
Moreover, maintaining continuous insurance coverage is important for keeping your future insurance rates low. This includes having non-owner car insurance when you may not own a vehicle. Insurance companies often view gaps in coverage as high-risk behavior, which can result in 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 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.
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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