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 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 Oklahoma for the coverage limit of 25/50/25.
- The non-owner car insurance rate is $242 per year—lower than liability-only coverage of $657 for Oklahoma drivers.
- State Farm offers the cheapest non-owner car insurance rates in Oklahoma at an average cost of $11 per month.
Do I need non-owner car insurance in Oklahoma?
Non-owner car insurance in Oklahoma 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.
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 Oklahoma
Non-owner car insurance costs $20 a month or $242 per year in Oklahoma for coverage limits 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 Oklahoma
CarInsurance.com’s analysis shows that State Farm offers the most affordable non-owner car insurance rates in Oklahoma, at $11 per month. Other insurers like Geico and Progressive also offer affordable 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.
The table below highlights the cheapest non-owner car insurance companies in Oklahoma.
| Company | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| State Farm | $132 | $11 |
| Geico | $155 | $13 |
| Progressive | $250 | $21 |
| Mercury Insurance | $267 | $22 |
| Shelter Insurance | $357 | $30 |
| Farmers | $420 | $35 |
| USAA* | $117 | $10 |
Note: *USAA is only available to military community members and their families.
Non-owner car insurance in Oklahoma, by age and gender
In Oklahoma, non-owner car insurance rates differ based on age and gender. For example, if you add a male teen driver to your car insurance, you’ll pay an average of $1,073 a month for insurance, whereas adding a 16-year-old female would cost you around $1,005 monthly.
Young drivers, both male and female, typically pay higher insurance rates. Inexperienced drivers are more likely to be involved in accidents, which increases the risk for insurance companies. As drivers age, they gain more experience behind the wheel and thus pay lower rates compared to teen drivers in Oklahoma.
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) | $839 | $786 |
| Young Adults (20-24) | $389 | $367 |
| Adults (25-60) | $240 | $242 |
| Seniors (65-75) | $264 | $248 |
Compare non-owner car insurance rates in neighboring states
Non-owner auto insurance in the biggest Oklahoma cities
In Enid non-owner auto insurance costs $18 per month or $221 annually, while drivers in Stillwater pay $20 monthly for the same coverage.
Insurance rates vary by city in Oklahoma. Car insurance companies consider the rate of accidents, theft, and vandalism in a particular area when determining the premiums for non-owner car insurance.
Another factor that affects non-owner car insurance rates is the cost of living. Higher living expenses in any Oklahoma city can lead to higher insurance rates overall, including non-owner car 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 |
|---|---|---|
| Enid | $221 | $18 |
| Stillwater | $237 | $20 |
| Lawton | $242 | $20 |
| Broken Arrow | $301 | $25 |
| Norman | $308 | $26 |
| Tulsa | $316 | $26 |
| Moore | $316 | $26 |
| Edmond | $319 | $27 |
| Oklahoma City | $326 | $27 |
| Midwest City | $331 | $28 |
Affordable non-owner insurance in Oklahoma, by ZIP code
A 40-year-old Oklahoma driver living in ZIP 73663 pays $198 a year or $17 per month for non-owner car insurance, whereas insurance rates in the ZIP code 73932 is $198 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 Oklahoma?
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.
Moreover, maintaining continuous insurance coverage is important for keeping your future insurance rates low. This includes having non-owner car insurance when you may not own a vehicle. Insurance companies often view gaps in coverage as high-risk behavior, which can result in 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 Oklahoma
Non-owner car insurance in Oklahoma 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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