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 generally costs less than standard car insurance because it doesn’t cover the vehicle you’re driving. However, insurance rates vary based on your age, driving history and location.
Carinsurance.com Insights
- 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 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.
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 can vary depending on factors such as your driving history, age, location and the 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 may vary based on your driving record, ZIP code, and coverage needs. It’s a good idea to compare quotes from multiple insurers to find the best rate for your specific situation.
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 |
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
In Newport non-owner auto insurance costs $39 per month or $472 annually, while drivers in Cumberland pay $40 monthly 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 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 |
|---|---|---|
| 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 is for individuals who don’t own a vehicle but still need coverage when driving someone else’s car. It generally offers liability coverage, which protects you if you cause damage or injury to others while driving a rented or borrowed 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 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.
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.
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.
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. 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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