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 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 $37 a month in Texas for the coverage limit of 30/60/25.
- The non-owner car insurance rate is $447 per year—lower than liability-only coverage of $774 for Texas drivers.
- Texas Farm Bureau offers the cheapest non-owner car insurance rates in Texas at an average cost of $17 per month.
Do I need non-owner car insurance in Texas?
Non-owner car insurance in Texas 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.
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 Texas
Non-owner car insurance costs an average of $37 a month and $447 per year in Texas for the coverage limit of 30/60/25.
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 Texas
Texas Farm Bureau offers the cheapest non-owner car insurance rates in Texas at an average cost of $17 per month, based on CarInsurance.com’s analysis. Other than Texas Farm Bureau, Auto Club Enterprises (AAA) and State Farm 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.
The table below highlights the cheapest non-owner car insurance companies in Texas.
| Company | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| Texas Farm Bureau | $202 | $17 |
| Auto Club Enterprises (AAA) | $223 | $19 |
| State Farm | $233 | $19 |
| Nationwide | $563 | $47 |
| Geico | $896 | $75 |
| Farmers | $911 | $76 |
| USAA* | $212 | $18 |
Non-owner car insurance in Texas, by age and gender
In Texas, 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 $574 a month for insurance, whereas adding a 16-year-old female would cost you around $589 monthly.
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 Texas.
The table below shows the cost of non-owner car insurance based on age and gender.
| Driver age | Male | Female |
|---|---|---|
| Teens (16-19) | $522 | $533 |
| Young Adults (20-24) | $468 | $499 |
| Adults (25-60) | $442 | $447 |
| Seniors (65-75) | $468 | $460 |
Compare non-owner car insurance rates in neighboring states
Non-owner auto insurance in the biggest Texas cities
In Houston non-owner auto insurance costs $33 per month or $393 annually, while drivers in Lubbock pay $39 monthly for the same coverage.
Insurance rates vary by city in Texas. Car insurance companies consider the rate of accidents, theft, and vandalism in a particular area when determining the premiums for non-owner car insurance.
The cost of living is another factor that influences non-owner car insurance rates. Cities with higher costs of living in Texas 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 |
|---|---|---|
| Houston | $393 | $33 |
| Lubbock | $463 | $39 |
| El Paso | $465 | $39 |
| San Antonio | $481 | $40 |
| Arlington | $484 | $40 |
| Fort Worth | $497 | $41 |
| Austin | $500 | $42 |
| Corpus Christi | $508 | $42 |
| Dallas | $523 | $44 |
| Plano | $546 | $46 |
Affordable non-owner insurance in Texas, by ZIP code
A Texas driver aged 40 living in ZIP code 77447 pays $326 annually or $27 monthly for non-owner car insurance, while a 40-year-old in ZIP code 77433 with a clean driving record pays $331 per year or $28 per month.
When should you consider buying non-owner car insurance in Texas?
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 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.
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.
Maintaining non-owner car insurance during this time proves your commitment to continuous coverage, helping to keep your insurance rates more affordable in the long run.
Final thoughts on non-owner car insurance in Texas
Non-owner car insurance in Texas is ideal for those who rent or borrow vehicles, use car-sharing services or are required 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. 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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