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.
- Non-owner car insurance costs an average of $33 a month in Connecticut for the coverage limit of 25/50/25.
- The non-owner car insurance rate is $395 per year—lower than liability-only coverage of $783 for Connecticut drivers.
- State Farm offers the cheapest non-owner car insurance rates in Connecticut at an average cost of $22 per month.
Do I need non-owner car insurance in Connecticut?
Non-owner car insurance in Connecticut 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.
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.
You might also like
- What is SR-22 insurance in Connecticut?
- Best car insurance companies in Connecticut
- Liability insurance for Connecticut drivers
- Minimum car insurance requirements in Connecticut
- Connecticut car insurance calculator: Get quotes by ZIP code & vehicle
- How much is car insurance for a 25-year-old in Connecticut?
- Cheap car insurance for seniors in Connecticut
- Car insurance discounts in Connecticut; 15% potential savings
- What’s the cheapest car insurance in Connecticut?
- How much does car insurance cost in Connecticut?
Average non-owner car insurance cost in Connecticut
Non-owner car insurance costs $33 a month or $395 per year in Connecticut for coverage limits 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 Connecticut
State Farm offers the cheapest non-owner car insurance rates in Connecticut at an average cost of $22 per month, based on CarInsurance.com’s analysis. Other than State Farm, Geico and Nationwide also have cheap 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 Connecticut.
| Company | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| State Farm | $269 | $22 |
| Geico | $429 | $36 |
| Nationwide | $660 | $55 |
| USAA* | $390 | $33 |
Note: *USAA is only available to military community members and their families.
Non-owner car insurance in Connecticut, by age and gender
In Connecticut, 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 $932 a month for insurance, whereas adding a 16-year-old female would cost you around $908 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 Connecticut.
The table below shows how non-owner car insurance rates vary by age and gender in Connecticut.
| Driver age | Male | Female |
|---|---|---|
| Teens (16-19) | $722 | $698 |
| Young Adults (20-24) | $490 | $487 |
| Adults (25-60) | $399 | $393 |
| Seniors (65-75) | $432 | $421 |
Compare non-owner car insurance rates in neighboring states
Non-owner auto insurance in the biggest Connecticut cities
In Norwalk non-owner auto insurance costs $31 per month or $373 annually, while drivers in Danbury pay $32 monthly for the same coverage.
Insurance rates vary by city in Connecticut. Car insurance companies consider the rate of accidents, theft, and vandalism in a particular area when determining the premiums for non-owner car insurance.
Another factor that affects non-owner car insurance rates is the cost of living. Higher living expenses in any Connecticut city can lead to higher insurance rates overall, 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 |
|---|---|---|
| Norwalk | $373 | $31 |
| Danbury | $380 | $32 |
| Stamford | $388 | $32 |
| Bristol | $390 | $33 |
| Meriden | $397 | $33 |
| New Britain | $425 | $35 |
| Waterbury | $485 | $40 |
| Hartford | $494 | $41 |
| Bridgeport | $505 | $42 |
| New Haven | $508 | $42 |
Affordable non-owner insurance in Connecticut, by ZIP code
In Connecticut, a 40-year-old driver living in ZIP code 6414 pays $324 a year or $27 per month for non-owner insurance, while the coverage costs $328 a year or $27 per month for a driver in ZIP code 6438 with a clean driving record.
When should you consider buying non-owner car insurance in Connecticut?
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.
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 Connecticut
Non-owner car insurance is an excellent choice in Connecticut if you occasionally rent or borrow vehicles, 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.
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.
Get advice from an experienced insurance professional. Our experts will help you navigate your insurance questions with clarity and confidence.
Browse all FAQs
Guide to car insurance (with rates) in cities of Connecticut