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 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.
- 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 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 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.
Your rates may differ based on your driving record, age, location and the insurance company you choose.
Cheapest non-owner car insurance companies in New Hampshire
CarInsurance.com’s analysis shows that MMG Insurance offers the most affordable non-owner car insurance rates in New Hampshire, at $7 per month. Other insurers like State Farm 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.
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 |
Note: *USAA is only available to military community members and their families.
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 .
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 New Hampshire.
The table below shows how non-owner car insurance rates vary by age and gender in New Hampshire.
| 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.
In New Hampshire, 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 New Hampshire, you can expect to pay more for non-owner insurance.
The table below shows how much you’ll pay for non-owner car insurance based on 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 40-year-old New Hampshire driver living in ZIP 3749 pays $290 a year or $24 per month for non-owner car insurance, whereas insurance rates in the ZIP code 3784 is $291 a year or $24 per month for a driver age with a clean driving record.
When should you consider buying non-owner car insurance in New Hampshire?
Non-owner car insurance is for individuals who don’t own a vehicle but still need coverage when driving someone else’s car. It generally offers liability coverage, which protects you if you cause damage or injury to others while driving a rented or borrowed 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.
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 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 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.
It is also beneficial for maintaining continuous insurance coverage, which can help keep your rates low in the future. Consider a non-owner car insurance policy if you frequently use vehicles that do not belong to you, and get quotes from three different companies to ensure you’re getting the best rate.
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.
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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