Non-owner car insurance is perfect for those who drive occasionally but don’t own a car. It provides liability coverage, ensuring that any damages or injuries you cause to others while driving someone else’s car are covered. With this insurance, you can drive knowing you’re financially protected.
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 $27 a month in Mississippi for the coverage limit of 25/50/25.
- The non-owner car insurance rate is $321 per year—lower than liability-only coverage of $637 for Mississippi drivers.
- State Farm offers the cheapest non-owner car insurance rates in Mississippi at an average cost of $20 per month.
Do I need non-owner car insurance in Mississippi?
Non-owner car insurance in Mississippi 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.
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 Mississippi
Non-owner car insurance costs an average of $27 a month and $321 per year in Mississippi 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 Mississippi
State Farm offers the cheapest non-owner car insurance rates in Mississippi at an average cost of $20 per month, based on CarInsurance.com’s analysis. Other than State Farm, Southern Farm Bureau and Travelers 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 Mississippi.
| Company | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| State Farm | $242 | $20 |
| Southern Farm Bureau | $276 | $23 |
| Travelers | $347 | $29 |
| Nationwide | $350 | $29 |
| Progressive | $383 | $32 |
| Geico | $527 | $44 |
| USAA* | $125 | $10 |
Note: *USAA is only available to military community members and their families.
Non-owner car insurance in Mississippi, by age and gender
Non-owner car insurance costs in Mississippi vary by age and gender. If you add a male teen driver to your car insurance, expect to pay an average of $926 monthly, whereas if you add a 16-year-old female, you’ll pay $702 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 Mississippi.
The table below shows the cost of non-owner car insurance based on age and gender.
| Driver age | Male | Female |
|---|---|---|
| Teens (16-19) | $714 | $600 |
| Young Adults (20-24) | $457 | $448 |
| Adults (25-60) | $324 | $322 |
| Seniors (65-75) | $360 | $341 |
Compare non-owner car insurance rates in neighboring states
Non-owner auto insurance in the biggest Mississippi cities
In Tupelo the average cost of non-owner auto insurance is $25 per month or $301 per year, and Meridian drivers pay $26 a month for the same coverage.
In Mississippi, 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 Mississippi 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 |
|---|---|---|
| Tupelo | $301 | $25 |
| Meridian | $316 | $26 |
| Greenville | $328 | $27 |
| Hattiesburg | $342 | $29 |
| Madison | $373 | $31 |
| Jackson | $382 | $32 |
| Olive Branch | $383 | $32 |
| Southaven | $385 | $32 |
| Biloxi | $386 | $32 |
| Gulfport | $397 | $33 |
Affordable non-owner insurance in Mississippi, by ZIP code
In Mississippi, a 40-year-old driver living in ZIP code 38878 pays $266 a year or $22 per month for non-owner insurance, while the coverage costs $268 a year or $22 per month for a driver in ZIP code 38951 with a clean driving record.
When should you consider buying non-owner car insurance in Mississippi?
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 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.
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 Mississippi
Non-owner car insurance in Mississippi 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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