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 $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 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.
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 Oklahoma
Oklahoma drivers can expect to pay an average of $20 per month or $242 annually for non-owner car insurance with a coverage limit of 25/50/25.
This rate may be higher or lower based on your driving profile, age, location and insurance company.
Cheapest non-owner car insurance companies in Oklahoma
State Farm offers the cheapest non-owner car insurance rates in Oklahoma at an average cost of $11 per month, based on CarInsurance.com’s analysis. Other than State Farm, Geico and Progressive also have cheap 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.
See the cheapest companies for non-owner car insurance in Oklahoma in the table below.
| 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 |
Note: *USAA is only available to military community members and their families.
Non-owner car insurance in Oklahoma, by age and gender
In Oklahoma, 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 $1,073 a month for insurance, whereas adding a 16-year-old female would cost you around $1,005 monthly.
Both male and female teen drivers usually pay higher insurance premiums because they are considered higher risk due to their inexperience. As drivers age and gain more experience, they generally see a decrease in their insurance costs in Oklahoma.
The table below shows the cost of non-owner car insurance based on age and gender.
| 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
Non-owner auto insurance cost in Enid is $18 a month or $221 a year, whereas drivers in Stillwater pay $20 a month 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.
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 |
|---|---|---|
| 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.
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 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.
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 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 provides valuable liability protection for individuals who regularly rent or borrow cars while behind the wheel. It can also work alongside the car owner’s coverage to offer additional protection.
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.
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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