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 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 $30 a month in Missouri for the coverage limit of 25/50/25.
- The non-owner car insurance rate is $358 per year—lower than liability-only coverage of $582 for Missouri drivers.
- Missouri Farm Bureau offers the cheapest non-owner car insurance rates in Missouri at an average cost of $14 per month.
Do I need non-owner car insurance in Missouri?
Non-owner car insurance in Missouri 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.
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 Missouri
Non-owner car insurance costs $30 a month or $358 per year in Missouri for coverage limits 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 Missouri
Missouri Farm Bureau offers the cheapest non-owner car insurance rates in Missouri at an average cost of $14 per month, based on CarInsurance.com’s analysis. Other than Missouri Farm Bureau, State Farm and Travelers also have cheap 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.
See the cheapest companies for non-owner car insurance in Missouri in the table below.
| Company | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| Missouri Farm Bureau | $171 | $14 |
| State Farm | $230 | $19 |
| Travelers | $353 | $29 |
| Progressive | $410 | $34 |
| Shelter Insurance | $431 | $36 |
| Nationwide | $515 | $43 |
| Geico | $762 | $64 |
| USAA* | $141 | $12 |
Note: *USAA is only available to military community members and their families.
Non-owner car insurance in Missouri, by age and gender
Non-owner car insurance costs in Missouri can vary by age and gender. When you add a male teen driver to your car insurance, your premiums could go up by $502 a month, while adding a 16-year-old female might increase your monthly cost by $432 .
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 Missouri.
The table below shows how non-owner car insurance rates vary by age and gender in Missouri.
| Driver age | Male | Female |
|---|---|---|
| Teens (16-19) | $558 | $464 |
| Young Adults (20-24) | $442 | $388 |
| Adults (25-60) | $365 | $360 |
| Seniors (65-75) | $372 | $362 |
Compare non-owner car insurance rates in neighboring states
Non-owner auto insurance in the biggest Missouri cities
Non-owner auto insurance cost in Columbia is $29 a month or $350 a year, whereas drivers in Lee’s Summit pay $30 a month for the same coverage.
In Missouri, 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 Missouri 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 |
|---|---|---|
| Columbia | $350 | $29 |
| Lee’s Summit | $357 | $30 |
| Blue Springs | $361 | $30 |
| St. Joseph | $364 | $30 |
| St. Charles | $364 | $30 |
| O’Fallon | $365 | $30 |
| Springfield | $383 | $32 |
| Independence | $384 | $32 |
| Kansas City | $403 | $34 |
| St. Louis | $447 | $37 |
Affordable non-owner insurance in Missouri, by ZIP code
A Missouri driver aged 40 living in ZIP code 64470 pays $301 annually or $25 monthly for non-owner car insurance, while a 40-year-old in ZIP code 64437 with a clean driving record pays $301 per year or $25 per month.
When should you consider buying non-owner car insurance in Missouri?
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.
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.
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 Missouri
Non-owner car insurance is an excellent choice in Missouri if you occasionally rent or borrow vehicles, 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.
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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