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 $23 a month in Kansas for the coverage limit of 25/50/25.
- The non-owner car insurance rate is $274 per year—lower than liability-only coverage of $471 for Kansas drivers.
- Geico offers the cheapest non-owner car insurance rates in Kansas at an average cost of $8 per month.
Do I need non-owner car insurance in Kansas?
Non-owner car insurance in Kansas is essential for those who often rent or borrow vehicles. It offers liability coverage in the event that you cause an accident while driving a car you rented or borrowed, helping protect you from costly out-of-pocket expenses. Additionally, it can act as supplementary coverage alongside the car owner’s existing insurance.
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.
Average non-owner car insurance cost in Kansas
Non-owner car insurance costs an average of $23 a month and $274 per year in Kansas 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 Kansas
Geico offers the cheapest non-owner car insurance rates in Kansas at an average cost of $8 per month, based on CarInsurance.com’s analysis. Other than Geico, Shelter Insurance and State Farm 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.
The table below highlights the cheapest non-owner car insurance companies in Kansas.
| Company | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| Geico | $94 | $8 |
| Shelter Insurance | $172 | $14 |
| State Farm | $178 | $15 |
| Iowa Farm Bureau | $196 | $16 |
| Progressive | $247 | $21 |
| Travelers | $327 | $27 |
| Farmers | $460 | $38 |
| Nationwide | $681 | $57 |
| USAA* | $114 | $10 |
Note: *USAA is only available to military community members and their families.
Non-owner car insurance in Kansas, by age and gender
Non-owner car insurance costs in Kansas vary by age and gender. If you add a male teen driver to your car insurance, expect to pay an average of $823 monthly, whereas if you add a 16-year-old female, you’ll pay $746 per month, based on CarInsurance.com’s analysis.
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 Kansas.
The table below shows how non-owner car insurance rates vary by age and gender in Kansas.
| Driver age | Male | Female |
|---|---|---|
| Teens (16-19) | $661 | $616 |
| Young Adults (20-24) | $349 | $338 |
| Adults (25-60) | $266 | $272 |
| Seniors (65-75) | $287 | $279 |
Compare non-owner car insurance rates in neighboring states
Non-owner auto insurance in the biggest Kansas cities
In Salina non-owner auto insurance costs $22 per month or $260 annually, while drivers in Manhattan pay $22 monthly for the same coverage.
In Kansas, 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 Kansas 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 |
|---|---|---|
| Salina | $260 | $22 |
| Manhattan | $265 | $22 |
| Lawrence | $292 | $24 |
| Topeka | $305 | $25 |
| Lenexa | $318 | $27 |
| Olathe | $319 | $27 |
| Wichita | $325 | $27 |
| Shawnee | $325 | $27 |
| Overland Park | $332 | $28 |
| Kansas City | $344 | $29 |
Affordable non-owner insurance in Kansas, by ZIP code
A Kansas driver aged 40 living in ZIP code 67661 pays $242 annually or $20 monthly for non-owner car insurance, while a 40-year-old in ZIP code 67664 with a clean driving record pays $243 per year or $20 per month.
When should you consider buying non-owner car insurance in Kansas?
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’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.
Maintaining continuous coverage is essential to help keep your insurance rates low in the future. Non-owner car insurance is an excellent option if you don’t own a car. Insurance companies may view lapses in coverage as risky, which can 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 Kansas
Non-owner car insurance in Kansas 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.
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