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 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.
- 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 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 York
Non-owner car insurance costs an average of $35 a month and $421 per year in New York for the coverage limit of 25/50/10.
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 York
According to CarInsurance.com’s analysis, Geico offers the lowest non-owner car insurance rates in New York, with an average cost of $18 per month. Erie Insurance and NYCM Insurance also provide affordable non-owner insurance premiums.
Your non-owner auto insurance rate may vary based on your driving history, ZIP code and coverage limits. Comparing quotes from multiple insurers can help you find the best insurance policy at affordable rates.
Below is a table showing the cheapest companies for non-owner car insurance in New York.
| 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 |
Note: *USAA is only available to military community members and their families.
Non-owner car insurance in New York, by age and gender
In New York, 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 $985 a month for insurance, whereas adding a 16-year-old female would cost you around $945 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 York.
The table below shows how non-owner car insurance rates vary by age and gender in New York.
| 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
Non-owner auto insurance cost in New Rochelle is $31 a month or $370 a year, whereas drivers in Rochester pay $35 a month 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.
The cost of living also determines the premiums. In areas with higher costs of living in New York, you can expect to pay more for non-owner 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
In New York, a 40-year-old driver living in ZIP code 12435 pays $304 a year or $25 per month for non-owner insurance, while the coverage costs $304 a year or $25 per month for a driver in ZIP code 12483 with a clean driving record.
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 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.
By having non-owner car insurance during these gaps, you are demonstrating responsible and continuous insurance coverage, which can help keep your rates low in the future.
Final thoughts on non-owner car insurance in New York
Non-owner car insurance is a good option in New York 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.
It is a good option for those who often rent or borrow vehicles as it offers liability coverage when driving someone else’s car and can supplement the car owner’s existing insurance policy.
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.
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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