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 $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 crucial for individuals who frequently rent or borrow vehicles. It provides liability coverage if you cause an accident while driving a vehicle not owned by you, protecting you from potential out-of-pocket expenses. It can also supplement any existing coverage the car owner may have.
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.
Non-owner insurance can be beneficial for maintaining continuous coverage when you’re between cars, helping to keep your insurance rates lower in the future. It provides liability protection if you’re at fault in an accident, though it doesn’t cover the car you drive.
Average non-owner car insurance cost in Rhode Island
Non-owner car insurance costs an average of $43 a month and $518 per year in Rhode Island for the 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
Travelers offers the cheapest non-owner car insurance rates in Rhode Island at an average cost of $27 per month, based on CarInsurance.com’s analysis. Other than Travelers, Geico and American Family also have cheap 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.
Below is a table showing the cheapest companies for non-owner car insurance 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.
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 Rhode Island.
The table below shows the cost of non-owner car insurance based on age and gender.
| 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
Non-owner auto insurance cost in Newport is $39 a month or $472 a year, whereas drivers in Cumberland pay $40 a month for the same coverage.
In Rhode Island, 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 Rhode Island generally pay higher insurance premiums, 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 Rhode Island driver aged 40 living in ZIP code 2882 pays $396 annually or $33 monthly for non-owner car insurance, while a 40-year-old in ZIP code 2842 with a clean driving record pays $445 per year or $37 per month.
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.
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 are driving a friend’s car and they only have minimum liability coverage, your non-owner insurance can help cover any additional expenses if the accident exceeds their policy 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.
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 Rhode Island
Non-owner car insurance in Rhode Island is ideal for those who rent or borrow vehicles, use car-sharing services or are required 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.
Get advice from an experienced insurance professional. Our experts will help you navigate your insurance questions with clarity and confidence.
Browse all FAQs