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Non-owner car insurance in Alabama costs $364 a year, which is $11 more than the rest of the nation on average, according to a 2023 rate analysis by Insure.com.

In Alabama, non-owner policies are available from companies such as USAA, Travelers and Nationwide.

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.

Key Takeaways

  • The average non-owner car insurance cost in Alabama is $30 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 Alabama pays an average of $1,310 for non-owner car insurance, whereas a 25-year-old male pays $404 a year for the same coverage.
  • Auto-Owners offers most affordable rates for non-owner car insurance in Alabama at $55.

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

Insurers view non-owner policyholders as less of a risk due to their limited access to a car, and therefore, it’s usually less expensive to buy a non-owner insurance policy than full coverage car insurance.

On average in the U.S., it costs a driver with a clean driving record and good credit score $1,682 annually 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 any damages to property. In Alabama, full coverage car insurance costs $1,442.

Meanwhile, non-owner auto insurance costs $353 a year on average in the United States and $364 in Alabama.

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

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

With an average annual cost of $55, Auto-Owners’ non-owner insurance policy is Alabama’s most affordable.

At $1,023 a year, State Farm charges the highest rate for non-owner insurance in the state.

You should compare quotes from multiple insurers to find the best price. The cheapest non-owner policies available in Alabama are listed below.

Cheapest non-owner insurance rates in Alabama

CompanyAverage annual premium
Auto-Owners$55
Geico$132
USAA$135
Travelers$277
Nationwide$360

Note that USAA only offers coverage to military members, veterans and their families.

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

Age plays an important role in pricing because young people who haven’t been driving for a long time are seen as higher risk and are more likely to cause an accident. So older and more experienced drivers usually have lower rates. On average, non-owner insurance costs $1,254 a year for a 16-year-old and $362 for a 45-year-old in Alabama.

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

AgeMaleFemale
16$1,310$1,197
17$1,193$1,098
18$1,017$939
19$678$633
20$613$575
21$484$454
22$460$436
23$436$420
24$420$409
25$404$410
30$381$376
35$371$374
40$364$371
45$360$364
50$353$352
55$346$342
60$349$341
65$363$352
70$391$371
75$430$396

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 Alabama by city

Which Alabama cities have the cheapest non-owner car insurance?

Rates differ from city to city. When insurance companies set rates, they consider the frequency of thefts, collisions and vandalism in an area.

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

Cities in AlabamaLowest non-owner car insurance rates
Beaverton$281
Vernon$287
Sulligent$288
Kennedy$290
Winfield$292
Detroit$293
Lynn$294
Haleyville$295
Millport$295
Guin$296
Double Springs$298
Bankston$299
Fayette$301
Ashland$302
Hamilton$302
Cragford$303
Delmar$304
Berry$305
Houston$305
Hackleburg$306

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

Cities in AlabamaHighest non-owner car insurance rates
Center Point$468
Phenix City$451
Bensley$450
Hoover$449
Fairfield$447
Docena$444
Mobile$443
Alton$440
Birmingham$440
Clay$439
Palmerdale$439
Montgomery$439
Dolomite$438
Seale$438
Pleasant Grove$437
Shannon$436
Grand Bay$435
Huntsville$407
Tuscaloosa$406
Madison$391

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

The largest cities in Alabama have varying non-owner insurance rates. The cost of non-owner insurance in Hoover is the most expensive at $449. Beaverton has the least expensive rates of the largest cities in the state at $281.

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

10 largest cities in AlabamaNon-owner car rates
Hoover$449
Mobile$443
Birmingham$440
Montgomery$439
Huntsville$407
Tuscaloosa$406
Madison$391
Auburn$367
Dothan$345
Beaverton$281

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

Non-owner car insurance rates also differ from state to state. The average non-owner insurance rate in Alabama is $364 a year, which is more than the national average of $353. South Dakota is the cheapest at $170 annually, followed by Idaho at $190 a year and Iowa at $193 per year.

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

StateAverage annual premium
California$323
Florida$671
Georgia$373
Illinois$286
Michigan$574
New York$578
North Carolina$989
Ohio$198
Pennsylvania$216
Texas$408
National Average$353

How to get non-ownercar 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 an auto 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

In many cases, you’ll get proof of insurance almost immediately.

For a non-owner insurance policy, you’ll need to call your insurer rather than go online for a quote.

“Before you buy, phone several insurers and request free car insurance quotes to make sure you pay the lowest price,” says Bruce Mohr, senior investment advisor and credit consultant at Fair Credit, a consumer-credit service and consulting company.

Below are a few insurance companies with their 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 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.

How much is car insurance in other states

Alaska$1,359/Year
Arkansas$1,597/Year
Arizona$1,617/Year
California$2,115/Year
Colorado$1,940/Year
Connecticut$1,750/Year
Delaware$2,137/Year
Florida$2,560/Year
Georgia$1,647/Year
Hawaii$1,306/Year
Iowa$1,321/Year
Idaho$1,121/Year
Illinois$1,578/Year
Indiana$1,256/Year
Kansas$1,594/Year
Kentucky$2,105/Year
Louisiana$2,546/Year
Massachusetts$1,538/Year
Maryland$1,640/Year
Maine$1,116/Year
Michigan$2,133/Year
Minnesota$1,493/Year
Missouri$2,104/Year
Mississippi$1,606/Year
Montana$1,692/Year
North Carolina$1,368/Year
North Dakota$1,419/Year
Nebraska$2,018/Year
New Hampshire$1,307/Year
New Jersey$1,901/Year
New Mexico$1,505/Year
Nevada$2,023/Year
New York$2,020/Year
Ohio$1,023/Year
Oklahoma$1,797/Year
Oregon$1,244/Year
Pennsylvania$1,445/Year
Rhode Island$1,845/Year
South Carolina$1,894/Year
South Dakota$1,581/Year
Tennessee$1,373/Year
Texas$1,875/Year
Utah$1,469/Year
Virginia$1,321/Year
Vermont$1,158/Year
Washington$1,371/Year
Wisconsin$1,499/Year
West Virginia$1,610/Year
Wyoming$1,736/Year
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Leslie Kasperowicz
Managing 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.