Non-owner car insurance in Connecticut: Which company has the cheapest rates? 

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Non-owner car insurance in Connecticut costs $422 a year, which is $69 more than the average nationally, according to a 2023 rate analysis from Insure.com.

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

“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 Connecticut.

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

Non-owner insurance is usually less expensive than full coverage auto insurance—insurance companies consider non-owner policyholders as less of a risk because they have minimal access to a car.

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 property damage. Full coverage car insurance is $1,741 in Connecticut.

Alternatively, non-owner auto insurance is $353 a year on average in the United States and $422 in Connecticut.

But actual rates are based on where in Connecticut you live, your age and driving history and other points.

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

With an average annual cost of $134, Kemper Insurance’s non-owner insurance policy is Connecticut’s most affordable.

At $695 a year, Progressive 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 Connecticut

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

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

Age is an important factor when it comes to pricing. 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. Connecticut non-owner insurance costs, on average, $1,211 a year for a 16-year-old, while it’s $422 for a 45-year-old driver.

Average non-owner car insurance rates in Connecticut by age and gender

Which Connecticut cities have the cheapest non-owner auto insurance?

There’s a great deal of variation from city to city when it comes to rates. Insurers consider the number of thefts, collisions and vandalism in an area when calculating rates.

The tables below display the cities in Connecticut that have the least and most expensive non-owner auto insurance rates.

The 20 Connecticut cities with the lowest non-owner car insurance rates

The 20 Connecticut cities with the highest non-owner auto insurance rates

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

The largest cities in Connecticut have varying non-owner insurance rates. The cost of non-owner insurance in New Haven is the most expensive at $570. Danbury has the least expensive rates of the state’s most populous cities at $427.

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

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

Non-owner car insurance rates also differ from state to state. The average non-owner insurance rate in Connecticut is $422 a year, which is more 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 a year.

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

How to get non-ownercar insurance in Connecticut

To get a non-owner policy, you’ll need your driver’s license number 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

Often, you’ll receive proof of insurance very quickly.

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

“The best way to find any insurance is to shop around and price match,” says Marlon Moss, a licensed agent at A Plus Insurance.

Below are some insurers 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 Kasperowicz

Managing Editor

 

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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.