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 $35 a month in New York for the coverage limit of 25/50/10.
- The non-owner car insurance rate is $421 per year—lower than liability-only coverage of $827 for New York drivers.
- Geico offers the cheapest non-owner car insurance rates in New York at an average cost of $18 per month.
Do I need non-owner car insurance in New York?
Non-owner car insurance in New York is important for renting or borrowing cars. It helps cover costs if you’re at fault in an accident while driving a car you don’t own, so you’re not stuck paying for damages out of pocket. Also, it can work alongside the car owner’s insurance to offer additional coverage.
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.
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 York
Non-owner car insurance costs $35 a month or $421 per year in New York for coverage limits of 25/50/10.
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 York
CarInsurance.com’s analysis shows that Geico offers the most affordable non-owner car insurance rates in New York, at $18 per month. Other insurers like Erie Insurance and NYCM Insurance also offer affordable premiums.
Non-owner auto insurance rates can differ depending on your driving history, ZIP code and coverage requirements. You should compare quotes from multiple insurers to find the best rate for your needs.
See the cheapest companies for non-owner car insurance in New York in the table below.
| Company | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| Geico | $221 | $18 |
| Erie Insurance | $298 | $25 |
| NYCM Insurance | $351 | $29 |
| State Farm | $431 | $36 |
| Progressive | $691 | $58 |
| Travelers | $907 | $76 |
| USAA* | $319 | $27 |
Non-owner car insurance in New York, by age and gender
Non-owner car insurance costs in New York vary by age and gender. If you add a male teen driver to your car insurance, expect to pay an average of $985 monthly, whereas if you add a 16-year-old female, you’ll pay $945 per month, based on CarInsurance.com’s analysis.
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 York.
See how much you’ll pay for non-owner car insurance by age and gender in the table below.
| Driver age | Male | Female |
|---|---|---|
| Teens (16-19) | $833 | $813 |
| Young Adults (20-24) | $522 | $519 |
| Adults (25-60) | $418 | $423 |
| Seniors (65-75) | $441 | $437 |
Compare non-owner car insurance rates in neighboring states
Non-owner auto insurance in the biggest New York cities
In New Rochelle non-owner auto insurance costs $31 per month or $370 annually, while drivers in Rochester pay $35 monthly for the same coverage.
In New York, car insurance rates differ by city, as insurance companies assess the frequency of accidents, theft and vandalism when determining non-owner car insurance premiums.
Another factor that affects non-owner car insurance rates is the cost of living. Higher living expenses in any New York city can lead to higher insurance rates overall, 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 |
|---|---|---|
| New Rochelle | $370 | $31 |
| Rochester | $421 | $35 |
| Albany | $426 | $36 |
| Schenectady | $426 | $36 |
| Syracuse | $438 | $37 |
| Utica | $443 | $37 |
| Buffalo | $475 | $40 |
| Yonkers | $539 | $45 |
| Mount Vernon | $564 | $47 |
| New York | $607 | $51 |
Affordable non-owner insurance in New York, by ZIP code
A New York driver aged 40 living in ZIP code 12435 pays $304 annually or $25 monthly for non-owner car insurance, while a 40-year-old in ZIP code 12483 with a clean driving record pays $304 per year or $25 per month.
When should you consider buying non-owner car insurance in New York?
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 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.
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 York
Non-owner car insurance is an excellent choice in New York if you occasionally rent or borrow vehicles, 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.
Non-owner car insurance is a smart way to maintain continuous coverage, helping you secure lower rates in the future. If you drive cars that aren’t your own regularly, be sure to get quotes from different companies to find 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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