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 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.
- 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.
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.
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
Non-owner car insurance costs in New Jersey vary by age and gender. If you add a male teen driver to your car insurance, expect to pay an average of $1,173 monthly, whereas if you add a 16-year-old female, you’ll pay $1,117 per month, based on CarInsurance.com’s analysis.
Young drivers, both male and female, typically pay higher insurance rates. Inexperienced drivers are more likely to be involved in accidents, which increases the risk for insurance companies. As drivers age, they gain more experience behind the wheel and thus pay lower rates compared to teen drivers in New Jersey.
The table below shows the cost of non-owner car insurance based on age and gender.
| 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 also determines the premiums. In areas with higher costs of living in New Jersey, you can expect to pay more for non-owner 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 |
|---|---|---|
| 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
In New Jersey, a 40-year-old driver living in ZIP code 7717 pays $339 a year or $28 per month for non-owner insurance, while the coverage costs $339 a year or $28 per month for a driver in ZIP code 7719 with a clean driving record.
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.
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 are driving a friend’s car and they only have minimum liability coverage, your non-owner insurance can help cover any additional expenses if the accident exceeds their policy 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 Jersey
Non-owner car insurance in New Jersey 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.
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.
Get advice from an experienced insurance professional. Our experts will help you navigate your insurance questions with clarity and confidence.
Browse all FAQs