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.
- Non-owner car insurance costs an average of $20 a month in Maine for the coverage limit of 50/100/25.
- The non-owner car insurance rate is $238 per year—lower than liability-only coverage of $341 for Maine drivers.
- Geico offers the cheapest non-owner car insurance rates in Maine at an average cost of $9 per month.
Do I need non-owner car insurance in Maine?
Non-owner car insurance in Maine 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 Maine
Maine drivers can expect to pay an average of $20 per month or $238 annually for non-owner car insurance with a coverage limit of 50/100/25.
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 Maine
According to CarInsurance.com’s analysis, Geico offers the lowest non-owner car insurance rates in Maine, with an average cost of $9 per month. Frankenmuth Insurance and Travelers also provide affordable 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 Maine.
| Company | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| Geico | $109 | $9 |
| Frankenmuth Insurance | $175 | $15 |
| Travelers | $235 | $20 |
| MMG Insurance | $290 | $24 |
| Progressive | $507 | $42 |
| USAA* | $111 | $9 |
Note: *USAA is only available to military community members and their families.
Non-owner car insurance in Maine, by age and gender
Non-owner car insurance costs in Maine vary by age and gender. If you add a male teen driver to your car insurance, expect to pay an average of $702 monthly, whereas if you add a 16-year-old female, you’ll pay $618 per month, based on CarInsurance.com’s analysis.
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 Maine.
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) | $643 | $576 |
| Young Adults (20-24) | $364 | $345 |
| Adults (25-60) | $241 | $243 |
| Seniors (65-75) | $232 | $234 |
Compare non-owner car insurance rates in neighboring states
Non-owner auto insurance in the biggest Maine cities
In Bangor the average cost of non-owner auto insurance is $20 per month or $234 per year, and Biddeford drivers pay $20 a month for the same coverage.
Car insurance premiums in Maine 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.
The cost of living is another factor that influences non-owner car insurance rates. Cities with higher costs of living in Maine 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 |
|---|---|---|
| Bangor | $234 | $20 |
| Biddeford | $242 | $20 |
| Augusta | $246 | $21 |
| Saco | $248 | $21 |
| South Portland | $251 | $21 |
| Westbrook | $252 | $21 |
| Sanford | $257 | $21 |
| Portland | $259 | $22 |
| Auburn | $262 | $22 |
| Lewiston | $270 | $23 |
Affordable non-owner insurance in Maine, by ZIP code
A 40-year-old Maine driver living in ZIP 4730 pays $205 a year or $17 per month for non-owner car insurance, whereas insurance rates in the ZIP code 4760 is $205 a year or $17 per month for a driver age with a clean driving record.
When should you consider buying non-owner car insurance in Maine?
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 instance, if you’re driving a friend’s car and their insurance only includes minimum liability coverage, your non-owner policy can help cover any extra costs if the accident exceeds their policy’s 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.
Having non-owner car insurance during these gaps demonstrates your commitment to continuous coverage, which can help you maintain lower rates moving forward.
Final thoughts on non-owner car insurance in Maine
Non-owner car insurance is a good option in Maine 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.
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.
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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