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 cheaper than standard car insurance since it doesn’t cover a Montana 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 $25 a month in Montana for the coverage limit of 25/50/20.
- The non-owner car insurance rate is $299 per year—lower than liability-only coverage of $540 for Montana drivers.
- State Farm offers the cheapest non-owner car insurance rates in Montana at an average cost of $10 per month.
Do I need non-owner car insurance in Montana?
Non-owner car insurance in Montana 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 is ideal for those who occasionally rent or borrow cars for personal or business purposes. Rather than opting for the expensive insurance offered by rental companies, you can get non-owner car insurance that offers similar coverage at a more affordable price.
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 Montana
Montana drivers can expect to pay an average of $25 per month or $299 annually for non-owner car insurance with a coverage limit of 25/50/20.
Your rates may differ based on your driving record, age, location and the insurance company you choose.
Cheapest non-owner car insurance companies in Montana
CarInsurance.com’s analysis shows that State Farm offers the most affordable non-owner car insurance rates in Montana, at $10 per month. Other insurers like Kemper and Geico also offer affordable 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 Montana in the table below.
| Company | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| State Farm | $125 | $10 |
| Kemper | $281 | $23 |
| Geico | $291 | $24 |
| Farmers | $408 | $34 |
| Progressive | $422 | $35 |
| Nationwide | $490 | $41 |
| USAA* | $75 | $6 |
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 Montana cities
Non-owner auto insurance cost in Havre is $23 a month or $280 a year, whereas drivers in Belgrade pay $25 a month for the same coverage.
Insurance rates vary by city in Montana. Car insurance companies consider the rate of accidents, theft, and vandalism in a particular area when determining the premiums for non-owner car insurance.
The cost of living also determines the premiums. In areas with higher costs of living in Montana, you can expect to pay more for non-owner 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 |
|---|---|---|
| Havre | $280 | $23 |
| Belgrade | $303 | $25 |
| Bozeman | $307 | $26 |
| Anaconda-Deer Lodge County | $307 | $26 |
| Helena | $323 | $27 |
| Butte | $325 | $27 |
| Missoula | $337 | $28 |
| Kalispell | $344 | $29 |
| Great Falls | $354 | $30 |
| Billings | $372 | $31 |
Affordable non-owner insurance in Montana, by ZIP code
A Montana driver aged 40 living in ZIP code 59323 pays $268 annually or $22 monthly for non-owner car insurance, while a 40-year-old in ZIP code 59324 with a clean driving record pays $268 per year or $22 per month.
When should you consider buying non-owner car insurance in Montana?
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 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.
Maintaining non-owner car insurance during this time proves your commitment to continuous coverage, helping to keep your insurance rates more affordable in the long run.
Final thoughts on non-owner car insurance in Montana
Non-owner car insurance is a good option in Montana 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.
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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