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.
- Non-owner car insurance costs an average of $27 a month in Mississippi for the coverage limit of 25/50/25.
- The non-owner car insurance rate is $321 per year—lower than liability-only coverage of $637 for Mississippi drivers.
- State Farm offers the cheapest non-owner car insurance rates in Mississippi at an average cost of $20 per month.
Do I need non-owner car insurance in Mississippi?
Non-owner car insurance in Mississippi 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.
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 Mississippi
Non-owner car insurance costs an average of $27 a month and $321 per year in Mississippi for the coverage limit of 25/50/25.
Your rates may differ based on your driving record, age, location and the insurance company you choose.
Cheapest non-owner car insurance companies in Mississippi
CarInsurance.com’s analysis shows that State Farm offers the most affordable non-owner car insurance rates in Mississippi, at $20 per month. Other insurers like Southern Farm Bureau and Travelers also offer affordable premiums.
Non-owner auto insurance rates may vary based on your driving record, ZIP code, and coverage needs. It’s a good idea to compare quotes from multiple insurers to find the best rate for your specific situation.
The table below highlights the cheapest non-owner car insurance companies in Mississippi.
| Company | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| State Farm | $242 | $20 |
| Southern Farm Bureau | $276 | $23 |
| Travelers | $347 | $29 |
| Nationwide | $350 | $29 |
| Progressive | $383 | $32 |
| Geico | $527 | $44 |
| USAA* | $125 | $10 |
Non-owner car insurance in Mississippi, by age and gender
In Mississippi, 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 $926 a month for insurance, whereas adding a 16-year-old female would cost you around $702 monthly.
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 Mississippi.
The table below shows how non-owner car insurance rates vary by age and gender in Mississippi.
| Driver age | Male | Female |
|---|---|---|
| Teens (16-19) | $714 | $600 |
| Young Adults (20-24) | $457 | $448 |
| Adults (25-60) | $324 | $322 |
| Seniors (65-75) | $360 | $341 |
Compare non-owner car insurance rates in neighboring states
Non-owner auto insurance in the biggest Mississippi cities
In Tupelo the average cost of non-owner auto insurance is $25 per month or $301 per year, and Meridian drivers pay $26 a month for the same coverage.
In Mississippi, car insurance rates differ by city, as insurance companies assess the frequency of accidents, theft and vandalism when determining non-owner car insurance premiums.
The cost of living also determines the premiums. In areas with higher costs of living in Mississippi, you can expect to pay more for non-owner 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 |
|---|---|---|
| Tupelo | $301 | $25 |
| Meridian | $316 | $26 |
| Greenville | $328 | $27 |
| Hattiesburg | $342 | $29 |
| Madison | $373 | $31 |
| Jackson | $382 | $32 |
| Olive Branch | $383 | $32 |
| Southaven | $385 | $32 |
| Biloxi | $386 | $32 |
| Gulfport | $397 | $33 |
Affordable non-owner insurance in Mississippi, by ZIP code
A Mississippi driver aged 40 living in ZIP code 38878 pays $266 annually or $22 monthly for non-owner car insurance, while a 40-year-old in ZIP code 38951 with a clean driving record pays $268 per year or $22 per month.
When should you consider buying non-owner car insurance in Mississippi?
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.
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 Mississippi
Non-owner car insurance in Mississippi 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.
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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