Non-owner auto insurance in Alabama: Which company has the cheapest rates?

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 Alabama costs $389 per year, which is $18 less than the rest of the country on average, according to a rate analysis by Insure.com.

In Alabama, non-owner policies are available from companies such as Auto-Owners, Progressive and GEICO.

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 Alabama.

How much does non-owner car insurance cost in Alabama?

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 $2,513 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 Alabama, full coverage car insurance costs $2,107.

Alternatively, non-owner car insurance is $407 a year on average in the U.S. and $389 in Alabama.

But various factors affect individual rates, such as where in state you live, your age and driving history and other factors.

You might find interesting

Explore related topics

• Alabama car insurance calculator
• Alabama car insurance: Rates, state minimum requirements and best companies
• Average car insurance cost in Alabama
• Car insurance calculator for teens in Alabama
• Cheapest SR-22 insurance in Alabama
• Do you need insurance to register a car in Alabama?
• How much is gap insurance in Alabama
• Low-cost car insurance in Alabama
• The best, cheapest car insurance in Alabama
• Best and cheapest companies for home and auto bundles in Alabama

See more

Which insurer offers the cheapest non-owner insurance rates in Alabama?

In Alabama, Auto-Owners’s non-owner insurance policy is the cheapest at $191 a year.

At $827 a year, Nationwide 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 Alabama

How much is non-owner car insurance in Alabama by age?

Age is an important factor when it comes to pricing. Statistically, young drivers are a higher risk because they haven’t been driving for long and are more likely to cause an accident than older, more experienced drivers. In Alabama, a 45-year-old will pay an average of $371 annually for a non-owner insurance policy compared to a 16-year-old driver who will pay an average of $1,024.

Average non-owner auto insurance rates in Alabama by age and gender

Our agents make it hassle-free to get the right quote.

Call (844) 814-8854

Ethan Available Now

Jack Available Now

Robbie Available Now

Ellie Available Now

Which Alabama 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 Alabama that have the least and most expensive non-owner auto insurance rates.

The 20 Alabama cities with the lowest non-owner auto insurance rates

The 20 Alabama cities with the highest non-owner car insurance rates

How much is non-owner car insurance in Alabama’s 10 biggest cities?

The most populous cities in Alabama have varying non-owner insurance rates. The cost of non-owner insurance in Mobile is the highest at $494; Decatur has the cheapest rates of the largest cities in the state at $359.

Non-owner car rates in Alabama’s 10 largest cities

How non-owner insurance rates in Alabama compare to rates in other states

Non-owner auto insurance rates also differ from state to state. Alabama’s average non-owner insurance rate is $389 a year, lower than the $407 national average.

Non-owner car insurance rates in the 10 most populous states

What does non-owner auto insurance cover?

Non-owner auto insurance provides coverage when you are driving a vehicle you don’t own. “If someone with non-owner auto insurance is involved in an accident while driving a rental car or a friend’s car, the policy typically covers liability for damages and injuries to others,” says Golnoush Goharzad, a personal injury attorney in California.

An important caveat is these policies don’t cover damage to the car you are driving. “That would be covered under the car owner’s policy or possibly through optional insurance purchased from the rental agency,” Goharzad says.

Goharzad adds that non-owner auto insurance policies may provide extra coverage. “Non-owner policies may also provide supplementary liability over and above what the car owner’s policy covers, filling in gaps if the primary policy’s limits are exhausted.”

How to get non-owner car insurance in Alabama

Getting a non-owner insurance policy is as simple as providing your driver’s license and a credit or debit card.

To purchase a policy, follow these steps:

1. Contact a car insurance agent about the coverage
2. Supply your basic driving history
3. Review the information you receive on the insurers and rates
4. Choose the policy that best meets your needs
5. Put down a payment to begin coverage

Often, you’ll receive proof of insurance very quickly. Below are a few insurers with phone 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

Methodology

Insure.com in 2025 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.

What our expert says

Q: Does a non-owner policy cover damage to your car?

Golnoush GoharzadPersonal injury attorney, California.

These policies don’t cover damage to the car you are driving, Goharzad says. “That would be covered under the car owner’s policy or possibly through optional insurance purchased from the rental agency.”

Leslie Kasperowicz

Managing Editor

 

|

 . .

Leslie Kasperowicz is an insurance expert and the executive editor of Insurance.com. Before joining QuinStreet, she was managing editor at Quote.com has a decade of experience writing about insurance. She also spent four years in customer service with Farmers Insurance.

Explore other insurance options in Alabama

The best, cheapest car insurance in Alabama

Average renters insurance cost in Alabama

Average homeowners insurance cost in Alabama