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 cheaper than standard car insurance since it doesn’t cover a Kentucky driver’s vehicle. The cost varies depending on factors such as driving record, age, years of driving experience and location.
- Non-owner car insurance costs an average of $31 a month in Kentucky for the coverage limit of 25/50/25.
- The non-owner car insurance rate is $375 per year—lower than liability-only coverage of $810 for Kentucky drivers.
- Auto-Owners offers the cheapest non-owner car insurance rates in Kentucky at an average cost of $8 per month.
Do I need non-owner car insurance in Kentucky?
Non-owner car insurance in Kentucky 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.
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 Kentucky
Kentucky drivers can expect to pay an average of $31 per month or $375 annually for non-owner car insurance with a 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 Kentucky
Auto-Owners offers the cheapest non-owner car insurance rates in Kentucky at an average cost of $8 per month, based on CarInsurance.com’s analysis. Other than Auto-Owners, State Farm and Shelter Insurance 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.
Below is a table showing the cheapest companies for non-owner car insurance in Kentucky.
| Company | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| Auto-Owners | $96 | $8 |
| State Farm | $263 | $22 |
| Shelter Insurance | $391 | $33 |
| Travelers | $415 | $35 |
| Geico | $417 | $35 |
| Allstate | $640 | $53 |
| Progressive | $822 | $69 |
| USAA* | $209 | $17 |
Note: *USAA is only available to military community members and their families.
Non-owner car insurance in Kentucky, by age and gender
In Kentucky, 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 $1,041 a month for insurance, whereas adding a 16-year-old female would cost you around $728 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 Kentucky.
See how much you’ll pay for non-owner car insurance by age and gender in the table below.
| Driver age | Male | Female |
|---|---|---|
| Teens (16-19) | $819 | $676 |
| Young Adults (20-24) | $524 | $474 |
| Adults (25-60) | $375 | $375 |
| Seniors (65-75) | $398 | $373 |
Compare non-owner car insurance rates in neighboring states
Non-owner auto insurance in the biggest Kentucky cities
In Nicholasville non-owner auto insurance costs $26 per month or $307 annually, while drivers in Lexington pay $27 monthly for the same coverage.
Insurance rates vary by city in Kentucky. 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 Kentucky 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 |
|---|---|---|
| Nicholasville | $307 | $26 |
| Lexington | $324 | $27 |
| Covington | $326 | $27 |
| Jeffersontown | $337 | $28 |
| Owensboro | $339 | $28 |
| Florence | $346 | $29 |
| Bowling Green | $354 | $30 |
| Elizabethtown | $356 | $30 |
| Georgetown | $365 | $30 |
| Richmond | $366 | $31 |
| Jeffersonville | $367 | $31 |
| Louisville | $423 | $35 |
Affordable non-owner insurance in Kentucky, by ZIP code
A Kentucky driver aged 40 living in ZIP code 41264 pays $262 annually or $22 monthly for non-owner car insurance, while a 40-year-old in ZIP code 41232 with a clean driving record pays $279 per year or $23 per month.
When should you consider buying non-owner car insurance in Kentucky?
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.
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’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.
By having non-owner car insurance during these gaps, you are demonstrating responsible and continuous insurance coverage, which can help keep your rates low in the future.
Final thoughts on non-owner car insurance in Kentucky
Non-owner car insurance is a good option in Kentucky to get auto insurance liability coverage if you rent or borrow vehicles occasionally, use a car-sharing service or need 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.
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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