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 cheaper than standard car insurance since it doesn’t cover a New Hampshire driver’s vehicle. The cost varies depending on factors such as driving record, age, years of driving experience and location.
Carinsurance.com Insights
- Non-owner car insurance costs an average of $27 a month in New Hampshire for the coverage limit of 25/50/25.
- The non-owner car insurance rate is $318 per year—lower than liability-only coverage of $416 for New Hampshire drivers.
- MMG Insurance offers the cheapest non-owner car insurance rates in New Hampshire at an average cost of $7 per month.
Do I need non-owner car insurance in New Hampshire?
Non-owner car insurance in New Hampshire 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.
Furthermore, maintaining continuous insurance coverage, including non-owner insurance when you’re between cars, can help keep your insurance rates low in the future. It can protect you if you’re involved in an accident and are found to be at fault. However, it doesn’t provide coverage for the vehicle you’re driving.
Average non-owner car insurance cost in New Hampshire
Non-owner car insurance costs an average of $27 a month and $318 per year in New Hampshire for the coverage limit of 25/50/25.
This rate may be higher or lower based on your driving profile, age, location and insurance company.
Cheapest non-owner car insurance companies in New Hampshire
MMG Insurance offers the cheapest non-owner car insurance rates in New Hampshire at an average cost of $7 per month, based on CarInsurance.com’s analysis. Other than MMG Insurance, State Farm and Geico also have cheap non-owner insurance 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.
Below is a table showing the cheapest companies for non-owner car insurance in New Hampshire.
| Company | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| MMG Insurance | $78 | $7 |
| State Farm | $130 | $11 |
| Geico | $221 | $18 |
| Progressive | $486 | $41 |
| Farmers | $589 | $49 |
| Nationwide | $611 | $51 |
| USAA* | $116 | $10 |
Non-owner car insurance in New Hampshire, by age and gender
Non-owner car insurance costs in New Hampshire can vary by age and gender. When you add a male teen driver to your car insurance, your premiums could go up by $960 a month, while adding a 16-year-old female might increase your monthly cost by $912.
Young drivers, regardless of gender, generally face higher insurance premiums. Their lack of experience makes them more prone to accidents, raising the risk for insurers. As drivers get older and gain more driving experience, their insurance rates typically decrease in New Hampshire.
The table below shows the cost of non-owner car insurance based on age and gender.
| Driver age | Male | Female |
|---|---|---|
| Teens (16-19) | $725 | $700 |
| Young Adults (20-24) | $407 | $433 |
| Adults (25-60) | $326 | $329 |
| Seniors (65-75) | $351 | $355 |
Compare non-owner car insurance rates in neighboring states
Non-owner auto insurance in the biggest New Hampshire cities
In Lebanon the average cost of non-owner auto insurance is $25 per month or $298 per year, and Claremont drivers pay $25 a month for the same coverage.
Car insurance premiums in New Hampshire 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 New Hampshire 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 |
|---|---|---|
| Lebanon | $298 | $25 |
| Claremont | $299 | $25 |
| Keene | $305 | $25 |
| Manchester | $322 | $27 |
| Concord | $324 | $27 |
| Laconia | $324 | $27 |
| Portsmouth | $331 | $28 |
| Rochester | $345 | $29 |
| Dover | $349 | $29 |
| Nashua | $360 | $30 |
Affordable non-owner insurance in New Hampshire, by ZIP code
A New Hampshire driver aged 40 living in ZIP code 3749 pays $290 annually or $24 monthly for non-owner car insurance, while a 40-year-old in ZIP code 3784 with a clean driving record pays $291 per year or $24 per month.
When should you consider buying non-owner car insurance in New Hampshire?
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.
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 instance, if you’re driving a friend’s car and their insurance only includes minimum liability coverage, your non-owner policy can help cover any extra costs if the accident exceeds their policy’s 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 New Hampshire
Non-owner car insurance in New Hampshire is ideal for those who rent or borrow vehicles, use car-sharing services or are required 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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