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 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 $25 a month in Montana for the coverage limit of 25/50/20.
- The non-owner car insurance rate is $299 per year—lower than liability-only coverage of $540 for Montana drivers.
- State Farm offers the cheapest non-owner car insurance rates in Montana at an average cost of $10 per month.
Do I need non-owner car insurance in Montana?
Non-owner car insurance in Montana 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.
One common scenario where non-owner car insurance comes into play is when individuals frequently rent cars for personal or business use. Instead of purchasing insurance through the rental car company, which can be expensive, non-owner car insurance can provide similar coverage at a more affordable cost.
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 Montana
Non-owner car insurance costs an average of $25 a month and $299 per year in Montana for the coverage limit of 25/50/20.
This rate may be higher or lower based on your driving profile, age, location and insurance company.
Cheapest non-owner car insurance companies in Montana
CarInsurance.com’s analysis shows that State Farm offers the most affordable non-owner car insurance rates in Montana, at $10 per month. Other insurers like Kemper and Geico 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.
See the cheapest companies for non-owner car insurance in Montana in the table below.
| Company | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| State Farm | $125 | $10 |
| Kemper | $281 | $23 |
| Geico | $291 | $24 |
| Farmers | $408 | $34 |
| Progressive | $422 | $35 |
| Nationwide | $490 | $41 |
| USAA* | $75 | $6 |
Compare non-owner car insurance rates in neighboring states
Non-owner auto insurance in the biggest Montana cities
Non-owner auto insurance cost in Havre is $23 a month or $280 a year, whereas drivers in Belgrade pay $25 a month for the same coverage.
Car insurance premiums in Montana 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 is another factor that influences non-owner car insurance rates. Cities with higher costs of living in Montana generally pay higher insurance premiums, 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 |
|---|---|---|
| Havre | $280 | $23 |
| Belgrade | $303 | $25 |
| Bozeman | $307 | $26 |
| Anaconda-Deer Lodge County | $307 | $26 |
| Helena | $323 | $27 |
| Butte | $325 | $27 |
| Missoula | $337 | $28 |
| Kalispell | $344 | $29 |
| Great Falls | $354 | $30 |
| Billings | $372 | $31 |
Affordable non-owner insurance in Montana, by ZIP code
A 40-year-old Montana driver living in ZIP 59323 pays $268 a year or $22 per month for non-owner car insurance, whereas insurance rates in the ZIP code 59324 is $268 a year or $22 per month for a driver age with a clean driving record.
When should you consider buying non-owner car insurance in Montana?
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 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 Montana
Non-owner car insurance is an excellent choice in Montana if you occasionally rent or borrow vehicles, use a car-sharing service or need 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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