Home Car insurance Non-owner car insurance Non-owner car insurance in California Non-owner car insurance in California: Which company has the cheapest rates? Residents pay an average of $500 for non-owner car insurance, but Auto Club Enterprises (AAA) and Farmers offer lower rates. View Carriers Please enter valid zip Compare top carriers in your area Written by Leslie KasperowiczLeslie KasperowiczLeslie 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.VIEW FULL PROFILE | Reviewed by Laura LongeroLaura LongeroLaura Longero is an insurance expert with 15 years of experience simplifying complex financial topics, Laura provides clear, expert-backed guidance to help drivers make smart, confident decisions.VIEW FULL PROFILE | Expert insight from Golnoush GoharzadGolnoush GoharzadThese 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."Go to commentSee moreSee less | Updated onAugust 27, 2026 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. For a deeper dive into our process, see our complete methodology. 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 California costs $500 per year, which is $14 more than the rest of the country on average, according to a rate analysis by Insure.com.In California, non-owner policies are available from companies such as Auto Club Enterprises (AAA), Farmers and Progressive. 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 California. Key Takeaways The average non-owner car insurance cost in California is $42 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 California pays an average of $1,278 for non-owner car insurance, whereas a 25-year-old male pays $587 a year for the same coverage.Auto Club Enterprises (AAA) offers most affordable rates for non-owner car insurance in California at $269. How much does non-owner auto insurance cost in California?Insurers consider non-owner policyholders as less risky due to their limited access to a vehicle, and therefore, it’s usually less expensive to buy a non-owner insurance policy than full coverage auto insurance.On average in the U.S., it costs a driver with a clean driving record and good credit score $2,578 a 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 California, full coverage car insurance costs $3,444.Alternatively, non-owner car insurance is $486 a year on average in the United States and $500 in California.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 Average car insurance cost in CaliforniaCalifornia car insurance calculatorCalifornia car insurance: Rates, state minimum requirements and best companiesCar insurance calculator for teens in CaliforniaCheapest SR-22 insurance in CaliforniaDo you need insurance to register a car in California?How long does a speeding ticket stay on your record in CaliforniaHow much car insurance costs in California vs. FloridaHow much car insurance costs in California vs. NevadaHow much car insurance costs in California vs. New YorkHow much car insurance costs in California vs. OregonHow much car insurance costs in California vs. TexasHow much car insurance costs in California vs. WashingtonHow much is gap insurance in CaliforniaLow-cost car insurance in CaliforniaThe best and cheapest car insurance in CaliforniaSee more Which insurer offers the cheapest non-owner insurance rates in California?In California, Auto Club Enterprises (AAA)’s non-owner insurance policy is the cheapest at $269 a year.At $802 a year, State Farm 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 California Graph Table CompanyAverage annual premiumAuto Club Enterprises (AAA)$269Farmers$339Progressive$476Mercury Insurance$492GEICO$564Nationwide$609State Farm$802Powered by: How much is non-owner car insurance in California 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 California, a 45-year-old will pay an average of $492 annually for a non-owner insurance policy compared to a 16-year-old driver who will pay an average of $1,278.Average non-owner auto insurance rates in California by age and genderAgeRates for male driversRates for female drivers16$1,278$1,27817$1,196$1,19618$1,115$1,11519$856$85620$818$81821$677$67722$649$64923$630$63024$589$58925$587$58730$516$51635$508$50840$500$50045$492$49250$481$48155$483$48360$489$48965$498$49870$540$54075$580$580Powered by: 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 California 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 California that have the least and most expensive non-owner auto insurance rates.The 20 California cities with the lowest non-owner auto insurance ratesCityNon-owner car insurance ratesLos Osos$389Mount Shasta$389Yreka$391Pacific Grove$399Weed$400Cambria$401Solvang$401Bishop$402Arroyo Grande$405Durham$405Carmel-by-the-Sea$406Los Alamos$407Orcutt$408Buellton$410Big Pine$411Avilla Beach$412Montague$413Morro Bay$413Blue Lake$415Pine Valley$415Powered by:The 20 California cities with the highest non-owner car insurance ratesCityNon-owner car insurance ratesTarzana$728Beverly Hills$703Van Nuys$689Panorama City$685West Hollywood$684Northridge$682Glendale$678Universal City$678Tujunga$669Encino$665Sherman Oaks$662Reseda$658Valley Village$652Florence-Graham$652Sun Valley$649Canoga Park$645North Hollywood$638Los Angeles$634Toluca Lake$632Hoopa$630Powered by:How much is non-owner car insurance in California’s 10 biggest cities?The most populous cities in California have varying non-owner insurance rates. The cost of non-owner insurance in Los Angeles is the most expensive at $634; San Diego has the cheapest rates of the largest cities in the state at $481.Non-owner auto rates in California’s 10 largest cities10 largest citiesNon-owner car insurance ratesSan Diego$481San Jose$505Fresno$506Anaheim$510Bakersfield$516Sacramento$529Long Beach$544Oakland$549San Francisco$550Los Angeles$634Powered by:How non-owner insurance rates in California compare to rates in other statesNon-owner auto insurance rates also differ from state to state. California’s average non-owner insurance rate is $500 a year, higher than the $486 national average.Non-owner car insurance rates in the 10 most populous statesState NameAverage annual premiumCalifornia$500Texas$564Florida$668New York$606Pennsylvania$279Illinois$518Ohio$291Georgia$510North Carolina$681Michigan$855Powered by: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 auto insurance in CaliforniaYour 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 coverageSupply your basic driving historyReview the information you receive on the insurers and ratesChoose the policy that best meets your needsPut down a payment to begin coverageOften, you’ll receive proof of insurance very quickly. Here are a few car insurance companies with their contact numbers to call for a non-owner insurance quote.State Farm: 800-782-8332GEICO: 800-207-7847Progressive: 888-671-4405Allstate: 800-726-6033USAA: 800-531-8722MethodologyInsure.com gathered rates from Quadrant Information Services for all 51 states, including Washington, D.C., to analyze non-owners auto insurance pricing.This data is based on a sample driving profile of a 40-year-old male and female with a good insurance score and no violations, opting for a non-owners policy on a Honda Accord with a 12-mile commute and 10,000 annual mileage. We analyzed over 65 million insurance quotes from 195 companies (73 company groups) across 29,159 cities and 34,595 ZIP codes. The national average annual premium is $486.Read more about our research standards and methodology.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.” Frequently asked questions Who needs non-owner car insurance in California? 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. How much is car insurance in other statesAlabama$469/YearAlaska$296/YearArizona$652/YearArkansas$440/YearColorado$506/YearConnecticut$1,054/YearDelaware$936/YearFlorida$668/YearGeorgia$510/YearHawaii$389/YearIdaho$297/YearIllinois$518/YearIndiana$320/YearIowa$280/YearKansas$408/YearKentucky$499/YearLouisiana$410/YearMaine$271/YearMaryland$516/YearMassachusetts$686/YearMichigan$855/YearMinnesota$352/YearMississippi$474/YearMissouri$346/YearMontana$412/YearNebraska$402/YearNevada$823/YearNew Hampshire$437/YearNew Jersey$1,141/YearNew Mexico$413/YearNew York$606/YearNorth Carolina$681/YearNorth Dakota$353/YearOhio$291/YearOklahoma$477/YearOregon$644/YearPennsylvania$279/YearRhode Island$511/YearSouth Carolina$448/YearSouth Dakota$216/YearTennessee$507/YearTexas$564/YearUtah$658/YearVermont$460/YearVirginia$549/YearWashington$516/YearWest Virginia$442/YearWisconsin$398/YearWyoming$270/YearShow more states No matches are found 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. 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