Non-owner auto insurance in Idaho: Which company has the cheapest rates?

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Non-owner auto insurance in Idaho costs $209 per year, which is $198 less than the rest of the country on average, according to a rate analysis by Insure.com.

In Idaho, non-owner policies are available from companies such as Auto-Owners, GEICO and State Farm.

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 Idaho.

How much does non-owner car insurance cost in Idaho?

Insurance companies view non-owner policyholders as less of a risk due to their minimal access to a car, and therefore, it’s usually less expensive to buy non-owner insurance than full coverage auto insurance.

On average in the United States, it costs a driver with a clean driving record and good credit score $2,513 per 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 Idaho, full coverage car insurance costs $1,791.

Alternatively, non-owner car insurance is $407 a year on average in the U.S. and $209 in Idaho.

But various factors affect individual rates, such as where in state you live, your age and driving history and other factors.

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

In Idaho, Auto-Owners’s non-owner insurance policy is the cheapest at $42 a year.

At $355 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 Idaho

How much is non-owner car insurance in Idaho 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 Idaho, a 45-year-old will pay an average of $205 annually for a non-owner insurance policy compared to a 16-year-old driver who will pay an average of $429.

Average non-owner auto insurance rates in Idaho by age and gender

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Which Idaho 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 Idaho that have the least and most expensive non-owner auto insurance rates.

The 20 Idaho cities with the lowest non-owner auto insurance rates

The 20 Idaho cities with the highest non-owner car insurance rates

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

The most populous cities in Idaho have varying non-owner insurance rates. The cost of non-owner insurance in Nampa is the highest at $258; Rexburg has the cheapest rates of the largest cities in the state at $222.

Non-owner car rates in Idaho’s 10 largest cities

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

Non-owner auto insurance rates also differ from state to state. Idaho’s average non-owner insurance rate is $209 a year, lower than the $407 national average.

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

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 Idaho

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:

1. Contact a car 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. 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.”

Leslie Kasperowicz

Managing Editor

 

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Leslie Kasperowicz is an insurance expert and the executive editor of Insurance.com. Before joining QuinStreet, she was managing editor at Quote.com has a decade of experience writing about insurance. She also spent four years in customer service with Farmers Insurance.

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