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 $16 a month in Idaho for the coverage limit of 25/50/15.
- The non-owner car insurance rate is $187 per year—lower than liability-only coverage of $440 for Idaho drivers.
- Auto-Owners offers the cheapest non-owner car insurance rates in Idaho at an average cost of $2 per month.
Do I need non-owner car insurance in Idaho?
Non-owner car insurance in Idaho 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.
One common scenario where non-owner car insurance comes into play is when individuals frequently rent cars for personal or business use. Instead of purchasing insurance through the rental car company, which can be expensive, non-owner car insurance can provide similar coverage at a more affordable cost.
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 Idaho
Non-owner car insurance costs $16 a month or $187 per year in Idaho for coverage limits of 25/50/15.
This rate may be higher or lower based on your driving profile, age, location and insurance company.
Cheapest non-owner car insurance companies in Idaho
Auto-Owners offers the cheapest non-owner car insurance rates in Idaho at an average cost of $2 per month, based on CarInsurance.com’s analysis. Other than Auto-Owners, Geico and State Farm 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.
The table below highlights the cheapest non-owner car insurance companies in Idaho.
| Company | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| Auto-Owners | $29 | $2 |
| Geico | $138 | $12 |
| State Farm | $186 | $16 |
| Nationwide | $220 | $18 |
| Travelers | $247 | $21 |
| Sentry Insurance | $249 | $21 |
| Farmers | $355 | $30 |
| USAA* | $76 | $6 |
Note: *USAA is only available to military community members and their families.
Non-owner car insurance in Idaho, by age and gender
Non-owner car insurance costs in Idaho can vary by age and gender. When you add a male teen driver to your car insurance, your premiums could go up by $764 a month, while adding a 16-year-old female might increase your monthly cost by $701 .
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 Idaho.
The table below shows how non-owner car insurance rates vary by age and gender in Idaho.
| Driver age | Male | Female |
|---|---|---|
| Teens (16-19) | $582 | $533 |
| Young Adults (20-24) | $265 | $249 |
| Adults (25-60) | $187 | $187 |
| Seniors (65-75) | $197 | $188 |
Compare non-owner car insurance rates in neighboring states
Non-owner auto insurance in the biggest Idaho cities
In Post Falls the average cost of non-owner auto insurance is $17 per month or $199 per year, and Rexburg drivers pay $17 a month for the same coverage.
Car insurance premiums in Idaho 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 Idaho city can lead to higher insurance rates overall, including non-owner car insurance.
The table below shows how much you’ll pay for non-owner car insurance based on your city.
| City | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| Post Falls | $199 | $17 |
| Rexburg | $199 | $17 |
| Coeur d’Alene | $204 | $17 |
| Twin Falls | $204 | $17 |
| Pocatello | $211 | $18 |
| Idaho Falls | $217 | $18 |
| Boise City | $218 | $18 |
| Meridian | $219 | $18 |
| Caldwell | $225 | $19 |
| Nampa | $233 | $19 |
Affordable non-owner insurance in Idaho, by ZIP code
A 40-year-old Idaho driver living in ZIP 83530 pays $166 a year or $14 per month for non-owner car insurance, whereas insurance rates in the ZIP code 83525 is $168 a year or $14 per month for a driver age with a clean driving record.
When should you consider buying non-owner car insurance in Idaho?
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.
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 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 Idaho
Non-owner car insurance is an excellent choice in Idaho 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.
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