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 Texas 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 $37 a month in Texas for the coverage limit of 30/60/25.
- The non-owner car insurance rate is $447 per year—lower than liability-only coverage of $774 for Texas drivers.
- Texas Farm Bureau offers the cheapest non-owner car insurance rates in Texas at an average cost of $17 per month.
Do I need non-owner car insurance in Texas?
Non-owner car insurance in Texas 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.
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 Texas
Non-owner car insurance costs an average of $37 a month and $447 per year in Texas for the coverage limit of 30/60/25.
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 Texas
According to CarInsurance.com’s analysis, Texas Farm Bureau offers the lowest non-owner car insurance rates in Texas, with an average cost of $17 per month. Auto Club Enterprises (AAA) and State Farm also provide affordable non-owner insurance premiums.
Non-owner auto insurance rates can differ depending on your driving history, ZIP code and coverage requirements. You should compare quotes from multiple insurers to find the best rate for your needs.
The table below highlights the cheapest non-owner car insurance companies in Texas.
| Company | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| Texas Farm Bureau | $202 | $17 |
| Auto Club Enterprises (AAA) | $223 | $19 |
| State Farm | $233 | $19 |
| Nationwide | $563 | $47 |
| Geico | $896 | $75 |
| Farmers | $911 | $76 |
| USAA* | $212 | $18 |
Note: *USAA is only available to military community members and their families.
Non-owner car insurance in Texas, by age and gender
In Texas, 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 $574 a month for insurance, whereas adding a 16-year-old female would cost you around $589 monthly.
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 Texas.
The table below shows the cost of non-owner car insurance based on age and gender.
| Driver age | Male | Female |
|---|---|---|
| Teens (16-19) | $522 | $533 |
| Young Adults (20-24) | $468 | $499 |
| Adults (25-60) | $442 | $447 |
| Seniors (65-75) | $468 | $460 |
Compare non-owner car insurance rates in neighboring states
Non-owner auto insurance in the biggest Texas cities
In Houston the average cost of non-owner auto insurance is $33 per month or $393 per year, and Lubbock drivers pay $39 a month for the same coverage.
Insurance rates vary by city in Texas. 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 Texas 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 |
|---|---|---|
| Houston | $393 | $33 |
| Lubbock | $463 | $39 |
| El Paso | $465 | $39 |
| San Antonio | $481 | $40 |
| Arlington | $484 | $40 |
| Fort Worth | $497 | $41 |
| Austin | $500 | $42 |
| Corpus Christi | $508 | $42 |
| Dallas | $523 | $44 |
| Plano | $546 | $46 |
Affordable non-owner insurance in Texas, by ZIP code
A Texas driver aged 40 living in ZIP code 77447 pays $326 annually or $27 monthly for non-owner car insurance, while a 40-year-old in ZIP code 77433 with a clean driving record pays $331 per year or $28 per month.
When should you consider buying non-owner car insurance in Texas?
Non-owner car insurance is designed for individuals who do not own a vehicle but still need coverage for the times they drive a car that is not their own. This type of insurance typically provides liability coverage, which means it will cover any damages or injuries that you may cause to others while driving someone else’s vehicle.
Aside from providing coverage for accidents, non-owner car insurance can also supplement any existing coverage the car owner may have. It can offer peace of mind to the car owner, as they will not have to worry about their own insurance rates increasing due to 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.
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.
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 Texas
Non-owner car insurance in Texas is ideal for those who rent or borrow vehicles, use car-sharing services or are required to file an SR-22 form.
Non-owner car insurance provides valuable liability protection for individuals who regularly rent or borrow cars while behind the wheel. It can also work alongside the car owner’s coverage to offer additional protection.
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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