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? Kemper Insurance and USAA 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 September 28, 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 auto insurance in California costs $323 annually, which is $30 lower than the average nationally, according to an Insure.com 2023 rate analysis. In California, non-owner policies are available from companies such as Auto Club Enterprises (AAA), Farmers and Travelers. “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 $27 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 $845 for non-owner car insurance, whereas a 25-year-old male pays $389 a year for the same coverage. Kemper Insurance offers most affordable rates for non-owner car insurance in California at $144. 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 $1,682 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 $2,110. Alternatively, non-owner car insurance is $353 a year on average in the United States and $323 in California. But various factors affect individual rates, such as where in California you live, your age and driving history and other factors. Which insurer offers the cheapest non-owner insurance rates in California? Kemper Insurance offers California’s least expensive non-owner insurance policy at $144 a year. At $538 a year, The Hartford 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 CompanyAverage annual premiumKemper Insurance$144USAA$165Auto Club Enterprises (AAA)$175Farmers$269Travelers$324 Note that USAA only offers coverage to military members, veterans and their families. 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 $320 annually for a non-owner insurance policy compared to a 16-year-old driver who will pay an average of $845. Average non-owner car insurance rates in California by age AgeRate16$84517$79518$74619$56820$53221$45922$43623$42024$39525$38930$33535$32740$32345$32050$31655$31160$31465$32170$35075$374 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 California by cityFresnoLos AngelesSan DiegoSan FranciscoSan JoseWhich California cities have the cheapest non-owner auto 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 California that have the least and most expensive non-owner auto insurance rates. The 20 California cities with the lowest non-owner auto insurance rates Cities in CaliforniaLowest non-owner car insurance ratesWalker$227Weed$228Greenview$230Big Pine$231Etna$231Weaverville$231Dunsmuir$233San Ardo$234Canby$235Carlotta$235Calexico$236Mendocino$237Trinidad$238Grenada$239Hayfork$239Smith River$239Bishop$240Fort Bragg$240Igo$240Mount Shasta$240 The 20 California cities with the highest non-owner car insurance rates Cities in CaliforniaHighest non-owner car insurance ratesBeverly Hills$557Tarzana$554Valley Village$533Los Angeles$529Van Nuys$519Encino$516Glendale$515Toluca Lake$515Reseda$514North Hollywood$507Randolph AFB$506Tujunga$504Woodland Hills$502Camp Pendleton$498Sherman Oaks$495Northridge$493Canoga Park$490Northfield$490North Hills$486Studio City$485 How much is non-owner car insurance in California’s 10 biggest cities? The largest cities in California have different non-owner insurance rates. The cost of non-owner insurance in Los Angeles is the highest at $529. Walker has the least expensive rates of the largest cities in the state at $227. Non-owner auto rates in California’s 10 largest cities 10 largest cities in CaliforniaNon-owner car ratesLos Angeles$529Anaheim$358Sacramento$357San Francisco$351Oakland$344Fresno$325San Jose$323San Diego$320Bakersfield$316Walker$227 How non-owner insurance rates in California compare to rates in other states Non-owner car insurance rates also differ from state to state. The average non-owner insurance rate in California is $323 a year, which is lower than the national average of $353. South Dakota is the cheapest at $170 annually, followed by Idaho at $190 per year and Iowa at $193 per year. Non-owner auto 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 car insurance in California Your driver’s license number and a credit or debit card are all you’ll 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 auto insurance policy, you’ll have to call an insurance company rather than go online for a quote. “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 insurance companies 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 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 California Average car insurance cost in California Cheapest homeowners insurance in California Average renters insurance cost in California How much is car insurance in other statesAlaska$1,359/YearAlabama$1,542/YearArkansas$1,597/YearArizona$1,617/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/YearNew York$2,020/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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