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 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.
Carinsurance.com Insights
- Non-owner car insurance costs an average of $38 a month in New Jersey for the coverage limit of 25/50/25.
- The non-owner car insurance rate is $459 per year—lower than liability-only coverage of $915 for New Jersey drivers.
- Selective Insurance offers the cheapest non-owner car insurance rates in New Jersey at an average cost of $26 per month.
Do I need non-owner car insurance in New Jersey?
Non-owner car insurance in New Jersey 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 Jersey
Non-owner car insurance costs an average of $38 a month and $459 per year in New Jersey 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 Jersey
Selective Insurance offers the cheapest non-owner car insurance rates in New Jersey at an average cost of $26 per month, based on CarInsurance.com’s analysis. Other than Selective Insurance, Travelers 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.
The table below highlights the cheapest non-owner car insurance companies in New Jersey.
| Company | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| Selective Insurance | $310 | $26 |
| Travelers | $421 | $35 |
| Geico | $447 | $37 |
| State Farm | $845 | $70 |
| Progressive | $856 | $71 |
Non-owner car insurance in New Jersey, by age and gender
In New Jersey, 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 $1,173 a month for insurance, whereas adding a 16-year-old female would cost you around $1,117 monthly.
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 Jersey.
The table below shows how non-owner car insurance rates vary by age and gender in New Jersey.
| Driver age | Male | Female |
|---|---|---|
| Teens (16-19) | $982 | $935 |
| Young Adults (20-24) | $677 | $663 |
| Adults (25-60) | $471 | $471 |
| Seniors (65-75) | $480 | $491 |
Compare non-owner car insurance rates in neighboring states
Non-owner auto insurance in the biggest New Jersey cities
Non-owner auto insurance cost in Bayonne is $37 a month or $441 a year, whereas drivers in Jersey City pay $37 a month for the same coverage.
In New Jersey, 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 is another factor that influences non-owner car insurance rates. Cities with higher costs of living in New Jersey 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 |
|---|---|---|
| Bayonne | $441 | $37 |
| Jersey City | $445 | $37 |
| Trenton | $483 | $40 |
| Camden | $493 | $41 |
| East Orange | $493 | $41 |
| Paterson | $497 | $41 |
| Newark | $513 | $43 |
| Clifton | $513 | $43 |
| Passaic | $522 | $44 |
| Elizabeth | $524 | $44 |
Affordable non-owner insurance in New Jersey, by ZIP code
A New Jersey driver aged 40 living in ZIP code 7717 pays $339 annually or $28 monthly for non-owner car insurance, while a 40-year-old in ZIP code 7719 with a clean driving record pays $339 per year or $28 per month.
When should you consider buying non-owner car insurance in New Jersey?
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.
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 Jersey
Non-owner car insurance is a good option in New Jersey to get auto insurance liability coverage if you rent or borrow vehicles occasionally, use a car-sharing service or need 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.
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. 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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