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 $43 a month in Michigan for the coverage limit of 50/100/10.
- The non-owner car insurance rate is $513 per year—lower than liability-only coverage of $694 for Michigan drivers.
- Travelers offers the cheapest non-owner car insurance rates in Michigan at an average cost of $5 per month.
Do I need non-owner car insurance in Michigan?
Non-owner car insurance in Michigan 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.
Additionally, keeping continuous insurance coverage, such as non-owner insurance when you’re between vehicles, can help keep your insurance premiums lower in the future. It offers coverage if you’re involved in an accident and deemed at fault. However, it does not cover the vehicle you are driving.
Average non-owner car insurance cost in Michigan
Non-owner car insurance costs an average of $43 a month and $513 per year in Michigan for the coverage limit of 50/100/10.
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 Michigan
Travelers offers the cheapest non-owner car insurance rates in Michigan at an average cost of $5 per month, based on CarInsurance.com’s analysis. Other than Travelers, Auto-Owners and Michigan Farm Bureau 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.
See the cheapest companies for non-owner car insurance in Michigan in the table below.
| Company | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| Travelers | $58 | $5 |
| Auto-Owners | $277 | $23 |
| Michigan Farm Bureau | $500 | $42 |
| Pioneer State Mutual | $565 | $47 |
| Geico | $714 | $60 |
| Progressive | $889 | $74 |
| Frankenmuth Insurance | $897 | $75 |
| USAA* | $237 | $20 |
Note: *USAA is only available to military community members and their families.
Compare non-owner car insurance rates in neighboring states
Non-owner auto insurance in the biggest Michigan cities
In Ann Arbor the average cost of non-owner auto insurance is $37 per month or $445 per year, and Grand Rapids drivers pay $38 a month for the same coverage.
In Michigan, car insurance rates differ by city, as insurance companies assess the frequency of accidents, theft and vandalism when determining non-owner car insurance premiums.
Another factor that affects non-owner car insurance rates is the cost of living. Higher living expenses in any Michigan city can lead to higher insurance rates overall, 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 |
|---|---|---|
| Ann Arbor | $445 | $37 |
| Grand Rapids | $461 | $38 |
| Lansing | $523 | $44 |
| Livonia | $604 | $50 |
| Troy | $615 | $51 |
| Sterling Heights | $633 | $53 |
| Warren | $683 | $57 |
| Dearborn | $732 | $61 |
| Westland | $749 | $62 |
| Detroit | $796 | $66 |
Affordable non-owner insurance in Michigan, by ZIP code
A 40-year-old Michigan driver living in ZIP 49922 pays $396 a year or $33 per month for non-owner car insurance, whereas insurance rates in the ZIP code 49718 is $398 a year or $33 per month for a driver age with a clean driving record.
When should you consider buying non-owner car insurance in Michigan?
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.
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.
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 Michigan
Non-owner car insurance is a good option in Michigan 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.
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.
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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