Home Car insurance Non-owner car insurance Non-owner auto insurance in New York Non-owner auto insurance in New York: Which company has the cheapest rates? Residents pay an average of $578 for non-owner car insurance, but Geico and Erie Insurance offer lower rates. View Carriers Please enter valid zip Compare top carriers in your area Written by: Leslie Kasperowicz Leslie Kasperowicz Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at Insurance.com. and John McCormick John McCormick John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology. | Reviewed by: Laura Longero Laura Longero Laura Longero is a content strategist and communications leader with more than 15 years of experience in content development in journalism, marketing and communications for start-ups to global companies. She started her career as a reporter and editor and honed her journalistic skills at the USA Today Network, working in several roles, as well as managing content and writing at MoneyGeek and XYZ Media. | Updated on April 30, 2024 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Non-owner auto insurance in New York costs $578 per year, which is $225 more than the rest of the country on average, according to a 2023 rate analysis by Insure.com. In New York, non-owner policies are available from companies such as USAA, State Farm and American Family. Non-owner car insurance is a policy for people who don’t own a car but often borrow or rent a vehicle. It provides liability coverage for bodily injury and property damage in case you get in an accident while driving a car owned by someone else. “Non-owner policies provide the minimum coverage required by the state, as well as some optional add-ons, but there are specific requirements by the insurance carriers to provide this coverage in lieu of a traditional auto insurance policy,” says Patti Clement, senior vice president of private client services at HUB International, a leading personal insurance brokerage. Learn more about the various requirements, what non-owner insurance is, which companies offer it and how much it costs in New York. Key Takeaways The average non-owner car insurance cost in New York is $48 per month for a 40-year-old male with a good driving record. Car insurance rates vary by age. For instance, a 16-year-old male in New York pays an average of $1,535 for non-owner car insurance, whereas a 25-year-old male pays $627 a year for the same coverage. Geico offers most affordable rates for non-owner car insurance in New York at $177. How much does non-owner car insurance cost in New York? Insurance companies view non-owner policyholders as less of a risk due to their minimal access to a car, and therefore, it’s usually less expensive to buy non-owner insurance than full coverage auto insurance. On average in the United States, it costs a driver with a clean driving record and good credit score $1,682 per year for a 100/300/100 full coverage insurance policy—$100,000 for injuries you cause in an accident, up to $300,000 per accident, and $100,000 for property damage. In New York, full coverage car insurance costs $2,020. Alternatively, non-owner car insurance is $353 a year on average in the U.S. and $578 in New York. But various factors affect individual rates, such as where in New York you live, your age and driving history and other factors. Which insurer offers the cheapest non-owner insurance rates in New York? In New York, Geico’s non-owner insurance policy is the cheapest at $177 a year. At $1,041 a year, Progressive charges the highest rate for non-owner insurance in the state. Experts recommend comparing quotes from many different insurance companies so that you can find the best rate available. The cheapest non-owner insurance policies in the state are listed below. Cheapest non-owner insurance rates in New York CompanyAverage annual premiumGeico$177Erie Insurance$247USAA$295State Farm$461American Family$863 Note that USAA only offers coverage to military members, veterans and their families. How much is non-owner car insurance in New York by age? Older drivers have been driving longer than younger, inexperienced drivers and are less likely to be in an accident. Their rates are usually cheaper than those of younger drivers. On average, New York non-owner insurance costs $590 a year for a 45-year-old, while it’s $1,484 for a 16-year-old driver. Average non-owner auto insurance rates in New York by age and gender AgeMaleFemale16$1,535$1,43317$1,429$1,34218$1,271$1,22219$1,045$1,03120$938$90821$775$75422$734$72923$695$69524$666$66625$627$64030$596$62535$579$61740$578$61145$573$60650$566$58455$562$57660$568$57965$597$60070$652$64575$724$687 Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.Car insurance rates in New York by cityBuffaloNew YorkRochesterSyracuseYonkersWhich New York cities have the cheapest non-owner auto insurance? Rates differ from ZIP code to ZIP code. Insurers consider the number of thefts, collisions and vandalism in an area when calculating rates. The tables below display the cities in New York that have the least and most expensive non-owner auto insurance rates. The 20 New York cities with the lowest non-owner car insurance rates Cities in New YorkLowest non-owner car insurance ratesHogansburg$354Morrisonville$355Peru$355Brushton$357Moira$357Bombay$358Brasher Falls$358Candor$358Dickinson Center$358Fort Covington Hamlet$358Newark Valley$358Nichols$358North Lawrence$358Almond$359Apalachin$359Barton$359Brainardsville$359Constable$359Cranberry Lake$359Hinsdale$359 The 20 New York cities with the highest non-owner auto insurance rates Cities in New YorkHighest non-owner car insurance ratesSaint Albans$1,489Rosedale$1,466Springfield Gardens$1,466Cambria Heights$1,464Jamaica$1,409Woodhaven$1,317Queens Village$1,303South Ozone Park$1,292Arverne$1,284Howard Beach$1,281Ozone Park$1,279South Richmond Hill$1,279Richmond Hill$1,278Hollis$1,262Far Rockaway$1,261Flushing$1,260Brooklyn$1,259Corona$1,254Rockaway Park$1,242Hempstead$1,241 How much is non-owner car insurance in New York’s 10 biggest cities? The most populous cities in New York have varying non-owner insurance rates. The cost of non-owner insurance in Mount Vernon is the highest at $900; Hogansburg has the cheapest rates of the largest cities in the state at $354. Non-owner car rates in New York’s 10 largest cities 10 largest cities in New YorkNon-owner car ratesMount Vernon$900Yonkers$855New Rochelle$713Cheektowaga$525Buffalo$516Syracuse$470Schenectady$457Rochester$454Albany$426Hogansburg$354 How non-owner insurance rates in New York compare to rates in other states Non-owner auto insurance rates also differ from state to state. New York’s average non-owner insurance rate is $578 a year, more than the $353 national average. At $170 per year, South Dakota is the cheapest, followed by Idaho at an average of $190 a year. Iowa is the third most affordable at $193 annually. Non-owner car insurance rates in the 10 most populous states StateAverage annual premiumCalifornia$323Florida$671Georgia$373Illinois$286Michigan$574New York$578North Carolina$989Ohio$198Pennsylvania$216Texas$408National Average$353 How to get non-owner auto insurance in New York Your driver’s license number and a credit or debit card are all you need to get a non-owner insurance policy. To purchase a policy, follow these steps: Contact an auto insurance agent about the coverage Supply your basic driving history Review the information you receive on the insurers and rates Choose the policy that best meets your needs Put down a payment to begin coverage Often, you’ll receive proof of insurance very quickly. For a non-owner car insurance policy quote, you must call your insurer instead of visiting its website. “You must pick up the phone to request a non-owner insurance quote. Although the majority of the major auto insurance providers provide non-owner policies, none of them provide online non-owner insurance estimates,” says Bruce Mohr, senior investment advisor and credit consultant at Fair Credit, a consumer-credit service and consulting company. Here are a few car insurance companies with their contact numbers to call for a non-owner insurance quote. State Farm: 800-782-8332 Geico: 800-207-7847 Progressive: 888-671-4405 Allstate: 800-726-6033 USAA: 800-531-8722 Frequently asked questions Who needs non-owner car insurance in New York? Non-owner car insurance is ideal for individuals who frequently rent cars or borrow others’ vehicles but do not own a car themselves. It’s also necessary for those who need to maintain continuous insurance coverage to avoid lapses. Is non-owner car insurance available to everyone? Non-owner car insurance is generally available if you do not own a vehicle, do not have regular access to a vehicle, and have a valid driver’s license. It is not available if you can be covered as a driver under another household member’s policy. Can I get non-owner car insurance if I live with someone who owns a car? If you live with someone who owns a car, you are generally expected to be listed on their car insurance policy. However, if you are not listed, non-owner car insurance could provide you with liability coverage when driving other vehicles. What is the difference between non-owner and standard car insurance? Non-owner car insurance only covers liability for bodily injury and property damage inflicted on others, not damages to the vehicle you are driving or injuries to yourself, which are typically covered under standard auto insurance policies. Methodology Insure.com in 2023 compiled non-owner insurance rates from Quadrant Information Services for a 40-year-old male with a good driving record looking for a state minimum, liability-only policy. Explore other insurance options in New-York Average car insurance cost in New York Average renters insurance cost in New York Average homeowners insurance cost in New York How much is car insurance in other statesAlaska$1,359/YearAlabama$1,542/YearArkansas$1,597/YearArizona$1,617/YearCalifornia$2,115/YearColorado$1,940/YearConnecticut$1,750/YearDelaware$2,137/YearFlorida$2,560/YearGeorgia$1,647/YearHawaii$1,306/YearIowa$1,321/YearIdaho$1,121/YearIllinois$1,578/YearIndiana$1,256/YearKansas$1,594/YearKentucky$2,105/YearLouisiana$2,546/YearMassachusetts$1,538/YearMaryland$1,640/YearMaine$1,116/YearMichigan$2,133/YearMinnesota$1,493/YearMissouri$2,104/YearMississippi$1,606/YearMontana$1,692/YearNorth Carolina$1,368/YearNorth Dakota$1,419/YearNebraska$2,018/YearNew Hampshire$1,307/YearNew Jersey$1,901/YearNew Mexico$1,505/YearNevada$2,023/YearOhio$1,023/YearOklahoma$1,797/YearOregon$1,244/YearPennsylvania$1,445/YearRhode Island$1,845/YearSouth Carolina$1,894/YearSouth Dakota$1,581/YearTennessee$1,373/YearTexas$1,875/YearUtah$1,469/YearVirginia$1,321/YearVermont$1,158/YearWashington$1,371/YearWisconsin$1,499/YearWest Virginia$1,610/YearWyoming$1,736/YearShow moreLeslie KasperowiczManaging Editor  . .Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at Insurance.com. 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page How much does non-owner car insurance cost in New York?Which insurer offers the cheapest non-owner insurance rates in New York?How much is non-owner car insurance in New York by age?Which New York cities have the cheapest non-owner auto insurance?How much is non-owner car insurance in New York's 10 biggest cities?How non-owner insurance rates in New York compare to rates in other statesHow to get non-owner auto insurance in New YorkFrequently asked questionsMethodology Get instant quotes now ! Please enter valid zip Get Quotes