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 $20 a month in Oklahoma for the coverage limit of 25/50/25.
- The non-owner car insurance rate is $242 per year—lower than liability-only coverage of $657 for Oklahoma drivers.
- State Farm offers the cheapest non-owner car insurance rates in Oklahoma at an average cost of $11 per month.
Do I need non-owner car insurance in Oklahoma?
Non-owner car insurance in Oklahoma 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.
Non-owner car insurance is ideal for those who occasionally rent or borrow cars for personal or business purposes. Rather than opting for the expensive insurance offered by rental companies, you can get non-owner car insurance that offers similar coverage at a more affordable price.
Additionally, keeping continuous insurance coverage, such as non-owner insurance when you’re between vehicles, can help keep your insurance premiums lower in the future. It offers coverage if you’re involved in an accident and deemed at fault. However, it does not cover the vehicle you are driving.
Average non-owner car insurance cost in Oklahoma
Non-owner car insurance costs an average of $20 a month and $242 per year in Oklahoma 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 Oklahoma
CarInsurance.com’s analysis shows that State Farm offers the most affordable non-owner car insurance rates in Oklahoma, at $11 per month. Other insurers like Geico and Progressive 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.
Below is a table showing the cheapest companies for non-owner car insurance in Oklahoma.
| Company | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| State Farm | $132 | $11 |
| Geico | $155 | $13 |
| Progressive | $250 | $21 |
| Mercury Insurance | $267 | $22 |
| Shelter Insurance | $357 | $30 |
| Farmers | $420 | $35 |
| USAA* | $117 | $10 |
Non-owner car insurance in Oklahoma, by age and gender
Non-owner car insurance costs in Oklahoma can vary by age and gender. When you add a male teen driver to your car insurance, your premiums could go up by $1,073 a month, while adding a 16-year-old female might increase your monthly cost by $1,005.
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 Oklahoma.
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) | $839 | $786 |
| Young Adults (20-24) | $389 | $367 |
| Adults (25-60) | $240 | $242 |
| Seniors (65-75) | $264 | $248 |
Compare non-owner car insurance rates in neighboring states
Non-owner auto insurance in the biggest Oklahoma cities
In Enid non-owner auto insurance costs $18 per month or $221 annually, while drivers in Stillwater pay $20 monthly for the same coverage.
In Oklahoma, 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 Oklahoma generally pay higher insurance premiums, including non-owner car 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 |
|---|---|---|
| Enid | $221 | $18 |
| Stillwater | $237 | $20 |
| Lawton | $242 | $20 |
| Broken Arrow | $301 | $25 |
| Norman | $308 | $26 |
| Tulsa | $316 | $26 |
| Moore | $316 | $26 |
| Edmond | $319 | $27 |
| Oklahoma City | $326 | $27 |
| Midwest City | $331 | $28 |
Affordable non-owner insurance in Oklahoma, by ZIP code
A 40-year-old Oklahoma driver living in ZIP 73663 pays $198 a year or $17 per month for non-owner car insurance, whereas insurance rates in the ZIP code 73932 is $198 a year or $17 per month for a driver age with a clean driving record.
When should you consider buying non-owner car insurance in Oklahoma?
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.
Aside from providing coverage for accidents, non-owner car insurance can also supplement any existing coverage the car owner may have. It can offer peace of mind to the car owner, as they will not have to worry about their own insurance rates increasing due to 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.
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 Oklahoma
Non-owner car insurance is an excellent choice in Oklahoma 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.
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. 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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