Car Insurance Non-owner auto insurance in Alabama: Which company has the cheapest rates? Auto-Owners and Geico offer the lowest non-owner insurance rates in the state. 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 17, 2023 Why you should trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. 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. 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 premiumAuto-Owners$55Geico$132USAA$135Travelers$277Nationwide$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 AgeMaleFemale16$1,310$1,19717$1,193$1,09818$1,017$93919$678$63320$613$57521$484$45422$460$43623$436$42024$420$40925$404$41030$381$37635$371$37440$364$37145$360$36450$353$35255$346$34260$349$34165$363$35270$391$37175$430$396 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 ratesBeaverton$281Vernon$287Sulligent$288Kennedy$290Winfield$292Detroit$293Lynn$294Haleyville$295Millport$295Guin$296Double Springs$298Bankston$299Fayette$301Ashland$302Hamilton$302Cragford$303Delmar$304Berry$305Houston$305Hackleburg$306 The 20 Alabama cities with the highest non-owner car insurance rates Cities in AlabamaHighest non-owner car insurance ratesCenter Point$468Phenix City$451Bensley$450Hoover$449Fairfield$447Docena$444Mobile$443Alton$440Birmingham$440Clay$439Palmerdale$439Montgomery$439Dolomite$438Seale$438Pleasant Grove$437Shannon$436Grand Bay$435Huntsville$407Tuscaloosa$406Madison$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 ratesHoover$449Mobile$443Birmingham$440Montgomery$439Huntsville$407Tuscaloosa$406Madison$391Auburn$367Dothan$345Beaverton$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 premiumNorth Carolina$926Florida$759New York$578Michigan$574Texas$408Illinois$385Georgia$373National Average$353Pennsylvania$337California$323Ohio$230 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: 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 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. Leslie 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. In case you missed it Best Car Insurance Companies of 2023 Car insurance rates by state: The most expensive and cheapest states for car ins... What is Full Coverage Car Insurance? A complete guide to car insurance costs for seniors A complete guide to adding a teenager to your car insurance policy What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? Buying and insuring a used car: Most and least expensive models to insure in 202... 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