Home Car insurance Non-owner car insurance Non-owner auto insurance in Colorado Non-owner auto insurance in Colorado: Which company has the cheapest rates? Residents pay an average of $345 for non-owner car insurance, but Auto-Owners and State Farm 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 onJune 4, 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. 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 Colorado costs $345 annually, which is $62 less than the average nationally, according to an Insure.com rate analysis. In Colorado, non-owner policies are available from companies such as Auto-Owners, State Farm and GEICO. “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 Colorado. Key Takeaways The average non-owner car insurance cost in Colorado is $29 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 Colorado pays an average of $1,821 for non-owner car insurance, whereas a 25-year-old male pays $385 a year for the same coverage. Auto-Owners offers most affordable rates for non-owner car insurance in Colorado at $107. How much does non-owner auto insurance cost in Colorado? Non-owner insurance is usually less expensive than full coverage auto insurance-insurers view non-owner policyholders as less of a risk because they have minimal access to a vehicle. On average in the U.S., it costs a driver with a clean driving record and good credit score $2,513 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 property damage. Full coverage car insurance is $3,222 in Colorado. Alternatively, non-owner car insurance is $407 a year on average in the United States and $345 in Colorado. But actual rates are based on your age and driving history and also where in state you live. You might find interesting Explore related topics Average car insurance cost in ColoradoCar insurance calculator for teens in ColoradoCheapest SR-22 insurance in ColoradoColorado car insurance calculatorColorado car insurance: Rates, state minimum requirements and best companiesDo you need insurance to register a car in Colorado?How much car insurance costs in Colorado vs. TexasHow much is gap insurance in ColoradoLow-cost car insurance in ColoradoThe best and cheapest car insurance in ColoradoSee more Which insurer offers the cheapest non-owner insurance rates in Colorado? In Colorado, Auto-Owners’s non-owner insurance policy is the cheapest at $107 a year. At $552 a year, Farmers 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 Colorado Graph Table CompanyAverage annual premiumAuto-Owners$107State Farm$303GEICO$312Kemper$322Acuity Insurance$371Progressive$432Southern Farm Bureau$521Farmers$552USAA*$135*USAA is only available to military community members and their families.Powered by: How much is non-owner car insurance in Colorado by age? Older drivers have been driving longer than younger, inexperienced drivers and are less likely to be in an accident. Their rates are usually cheaper than those of younger drivers. On average, Colorado non-owner insurance costs $348 a year for a 45-year-old, while it’s $1,821 for a 16-year-old driver. Average non-owner auto insurance rates in Colorado by age and gender AgeRates for male driversRates for female drivers16$1,878$1,76417$1,354$1,28718$1,139$1,07419$729$68220$624$58821$474$44922$432$41823$403$39424$390$38625$377$39330$348$35935$339$35240$342$34845$345$35150$341$34455$342$34460$347$33865$355$35170$399$39575$442$425Powered 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 Colorado 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 Colorado that have the least and most expensive non-owner auto insurance rates. The 20 Colorado cities with the lowest non-owner auto insurance rates CityNon-owner car insurance ratesMc Clave$286Sedgwick$286Vona$286Silt$287Rifle$289Delta$290Naturita$290Olathe$290Paonia$290Walsenburg$290Gardner$290Cedaredge$290Redvale$291New Castle$291Nucla$291Parachute$291Hotchkiss$292Eckert$293Glenwood Springs$293Walsh$293Powered by: The 20 Colorado cities with the highest non-owner car insurance rates CityNon-owner car insurance ratesSherrelwood$426Aurora$420Roxborough Park$420Northglenn$419Highlands Ranch$417Westminster$414Cherry Creek$413Louviers$412Castle Rock$412Denver$411Cimarron Hills$411Thornton$411Security-Widefield$410Parker$408Littleton$407Lone Tree$405Englewood$405Centennial$404Commerce City$403Colorado Springs$401Powered by: How much is non-owner car insurance in Colorado’s 10 biggest cities? The most populous cities in Colorado have varying non-owner insurance rates. The cost of non-owner insurance in Aurora is the highest at $420; Greeley has the cheapest rates of the largest cities in the state at $356. Non-owner car rates in Colorado’s 10 largest cities 10 largest citiesNon-owner car insurance ratesGreeley$356Fort Collins$368Pueblo$392Lakewood$399Arvada$400Colorado Springs$401Denver$411Thornton$411Westminster$414Aurora$420Powered by: How non-owner insurance rates in Colorado compare to rates in other states Non-owner auto insurance rates also differ from state to state. Colorado’s average non-owner insurance rate is $345 a year, lower than the $407 national average. Non-owner car insurance rates in the 10 most populous states StateAverage annual premiumCalifornia$394Florida$925Georgia$407Illinois$395Michigan$462North Carolina$581New York$661Ohio$245Pennsylvania$352Texas$418National Average$407Powered 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 car insurance in Colorado 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 a car 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. 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.” Frequently asked questions Who needs non-owner car insurance in Colorado? 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$389/YearAlaska$168/YearArizona$477/YearArkansas$337/YearCalifornia$394/YearConnecticut$991/YearDelaware$762/YearFlorida$925/YearGeorgia$407/YearHawaii$333/YearIdaho$209/YearIllinois$395/YearIndiana$286/YearIowa$171/YearKansas$340/YearKentucky$399/YearLouisiana$419/YearMaine$201/YearMaryland$471/YearMassachusetts$499/YearMichigan$462/YearMinnesota$278/YearMississippi$339/YearMissouri$440/YearMontana$326/YearNebraska$277/YearNevada$569/YearNew Hampshire$379/YearNew Jersey$708/YearNew Mexico$334/YearNew York$661/YearNorth Carolina$581/YearNorth Dakota$200/YearOhio$245/YearOklahoma$291/YearOregon$676/YearPennsylvania$352/YearRhode Island$451/YearSouth Carolina$424/YearSouth Dakota$201/YearTennessee$386/YearTexas$418/YearUtah$603/YearVermont$317/YearVirginia$378/YearWashington$403/YearWest Virginia$229/YearWisconsin$290/YearWyoming$215/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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