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 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 $43 a month in Michigan for the coverage limit of 50/100/10.
- The non-owner car insurance rate is $513 per year—lower than liability-only coverage of $694 for Michigan drivers.
- Travelers offers the cheapest non-owner car insurance rates in Michigan at an average cost of $5 per month.
Do I need non-owner car insurance in Michigan?
Non-owner car insurance in Michigan 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 Michigan
Non-owner car insurance costs $43 a month or $513 per year in Michigan for coverage limits of 50/100/10.
Your rates may differ based on your driving record, age, location and the insurance company you choose.
Cheapest non-owner car insurance companies in Michigan
Travelers offers the cheapest non-owner car insurance rates in Michigan at an average cost of $5 per month, based on CarInsurance.com’s analysis. Other than Travelers, Auto-Owners and Michigan Farm Bureau also have cheap non-owner insurance 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.
See the cheapest companies for non-owner car insurance in Michigan in the table below.
| Company | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| Travelers | $58 | $5 |
| Auto-Owners | $277 | $23 |
| Michigan Farm Bureau | $500 | $42 |
| Pioneer State Mutual | $565 | $47 |
| Geico | $714 | $60 |
| Progressive | $889 | $74 |
| Frankenmuth Insurance | $897 | $75 |
| USAA* | $237 | $20 |
Compare non-owner car insurance rates in neighboring states
Non-owner auto insurance in the biggest Michigan cities
In Ann Arbor the average cost of non-owner auto insurance is $37 per month or $445 per year, and Grand Rapids drivers pay $38 a month for the same coverage.
Car insurance premiums in Michigan vary by city, with insurers adjusting non-owner car insurance rates based on factors such as the frequency of accidents, theft and vandalism in the area.
The cost of living also determines the premiums. In areas with higher costs of living in Michigan, you can expect to pay more for non-owner 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 |
|---|---|---|
| Ann Arbor | $445 | $37 |
| Grand Rapids | $461 | $38 |
| Lansing | $523 | $44 |
| Livonia | $604 | $50 |
| Troy | $615 | $51 |
| Sterling Heights | $633 | $53 |
| Warren | $683 | $57 |
| Dearborn | $732 | $61 |
| Westland | $749 | $62 |
| Detroit | $796 | $66 |
Affordable non-owner insurance in Michigan, by ZIP code
A 40-year-old Michigan driver living in ZIP 49922 pays $396 a year or $33 per month for non-owner car insurance, whereas insurance rates in the ZIP code 49718 is $398 a year or $33 per month for a driver age with a clean driving record.
When should you consider buying non-owner car insurance in Michigan?
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.
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 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.
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 Michigan
Non-owner car insurance is an excellent choice in Michigan 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.
By maintaining continuous coverage with a non-owner car insurance policy, you can keep your rates lower in the future. If you regularly use rented or borrowed vehicles, get quotes from multiple insurance companies to ensure you get the best deal.
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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