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 generally costs less than standard car insurance because it doesn’t cover the vehicle you’re driving. However, insurance rates vary based on your age, driving history and location.
CarInsurance.com Insights
- Non-owner car insurance costs an average of $30 a month in Missouri for the coverage limit of 25/50/25.
- The non-owner car insurance rate is $358 per year—lower than liability-only coverage of $582 for Missouri drivers.
- Missouri Farm Bureau offers the cheapest non-owner car insurance rates in Missouri at an average cost of $14 per month.
Do I need non-owner car insurance in Missouri?
Non-owner car insurance in Missouri 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 Missouri
Non-owner car insurance costs an average of $30 a month and $358 per year in Missouri for the coverage limit of 25/50/25.
This rate can vary depending on factors such as your driving history, age, location and the insurance company.
Cheapest non-owner car insurance companies in Missouri
CarInsurance.com’s analysis shows that Missouri Farm Bureau offers the most affordable non-owner car insurance rates in Missouri, at $14 per month. Other insurers like State Farm and Travelers also offer affordable 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 Missouri in the table below.
| Company | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| Missouri Farm Bureau | $171 | $14 |
| State Farm | $230 | $19 |
| Travelers | $353 | $29 |
| Progressive | $410 | $34 |
| Shelter Insurance | $431 | $36 |
| Nationwide | $515 | $43 |
| Geico | $762 | $64 |
| USAA* | $141 | $12 |
Non-owner car insurance in Missouri, by age and gender
Non-owner car insurance costs in Missouri can vary by age and gender. When you add a male teen driver to your car insurance, your premiums could go up by $502 a month, while adding a 16-year-old female might increase your monthly cost by $432.
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 Missouri.
The table below shows how non-owner car insurance rates vary by age and gender in Missouri.
| Driver age | Male | Female |
|---|---|---|
| Teens (16-19) | $558 | $464 |
| Young Adults (20-24) | $442 | $388 |
| Adults (25-60) | $365 | $360 |
| Seniors (65-75) | $372 | $362 |
Compare non-owner car insurance rates in neighboring states
Non-owner auto insurance in the biggest Missouri cities
Non-owner auto insurance cost in Columbia is $29 a month or $350 a year, whereas drivers in Lee’s Summit pay $30 a month for the same coverage.
Car insurance premiums in Missouri 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.
Another factor that affects non-owner car insurance rates is the cost of living. Higher living expenses in any Missouri 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 |
|---|---|---|
| Columbia | $350 | $29 |
| Lee’s Summit | $357 | $30 |
| Blue Springs | $361 | $30 |
| St. Joseph | $364 | $30 |
| St. Charles | $364 | $30 |
| O’Fallon | $365 | $30 |
| Springfield | $383 | $32 |
| Independence | $384 | $32 |
| Kansas City | $403 | $34 |
| St. Louis | $447 | $37 |
Affordable non-owner insurance in Missouri, by ZIP code
In Missouri, a 40-year-old driver living in ZIP code 64470 pays $301 a year or $25 per month for non-owner insurance, while the coverage costs $301 a year or $25 per month for a driver in ZIP code 64437 with a clean driving record.
When should you consider buying non-owner car insurance in Missouri?
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’re driving a friend’s vehicle with only basic liability coverage, your non-owner insurance can help cover the extra costs if the damages exceed their policy’s coverage 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.
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 Missouri
Non-owner car insurance is an excellent choice in Missouri if you occasionally rent or borrow vehicles, use a car-sharing service or need to file an SR-22 form.
Non-owner car insurance provides valuable liability protection for individuals who regularly rent or borrow cars while behind the wheel. It can also work alongside the car owner’s coverage to offer additional protection.
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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