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.
- Non-owner car insurance costs an average of $43 a month in Rhode Island for the coverage limit of 25/50/25.
- The non-owner car insurance rate is $518 per year—lower than liability-only coverage of $808 for Rhode Island drivers.
- Travelers offers the cheapest non-owner car insurance rates in Rhode Island at an average cost of $27 per month.
Do I need non-owner car insurance in Rhode Island?
Non-owner car insurance in Rhode Island 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 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.
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 Rhode Island
Rhode Island drivers can expect to pay an average of $43 per month or $518 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 Rhode Island
According to CarInsurance.com’s analysis, Travelers offers the lowest non-owner car insurance rates in Rhode Island, with an average cost of $27 per month. GEICO and American Family also provide affordable non-owner insurance 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.
The table below highlights the cheapest non-owner car insurance companies in Rhode Island.
| Company | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| Travelers | $328 | $27 |
| GEICO | $366 | $31 |
| American Family | $425 | $35 |
| Nationwide | $751 | $63 |
| Progressive | $797 | $66 |
| Farmers | $1,015 | $85 |
| USAA* | $152 | $13 |
Note: *USAA is only available to military community members and their families.
Non-owner car insurance in Rhode Island, by age and gender
In Rhode Island, 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 $820 a month for insurance, whereas adding a 16-year-old female would cost you around $851 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 Rhode Island.
The table below shows how non-owner car insurance rates vary by age and gender in Rhode Island.
| Driver age | Male | Female |
|---|---|---|
| Teens (16-19) | $908 | $903 |
| Young Adults (20-24) | $629 | $615 |
| Adults (25-60) | $515 | $519 |
| Seniors (65-75) | $573 | $537 |
Compare non-owner car insurance rates in neighboring states
Non-owner auto insurance in the biggest Rhode Island cities
In Newport non-owner auto insurance costs $39 per month or $472 annually, while drivers in Cumberland pay $40 monthly for the same coverage.
Car insurance premiums in Rhode Island vary by city, with insurers adjusting non-owner car insurance rates based on factors such as the frequency of accidents, theft and vandalism in the area.
Another factor that affects non-owner car insurance rates is the cost of living. Higher living expenses in any Rhode Island city can lead to higher insurance rates overall, including non-owner car 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 |
|---|---|---|
| Newport | $472 | $39 |
| Cumberland | $482 | $40 |
| Warwick | $529 | $44 |
| East Providence | $535 | $45 |
| Coventry | $540 | $45 |
| Woonsocket | $560 | $47 |
| Central Falls | $568 | $47 |
| Cranston | $570 | $48 |
| Providence | $571 | $48 |
| Pawtucket | $583 | $49 |
Affordable non-owner insurance in Rhode Island, by ZIP code
A 40-year-old Rhode Island driver living in ZIP 2882 pays $396 a year or $33 per month for non-owner car insurance, whereas insurance rates in the ZIP code 2842 is $445 a year or $37 per month for a driver age with a clean driving record.
When should you consider buying non-owner car insurance in Rhode Island?
Non-owner car insurance provides coverage for drivers who don’t own a car but still need insurance while driving someone else’s vehicle. This insurance primarily covers liability, helping you pay for any damages or injuries you may cause to others in the event of an accident.
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’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.
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.
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 Rhode Island
Non-owner car insurance is a good option in Rhode Island 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.
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.
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