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Non-owner auto insurance in Idaho costs $187 annually, which is $138 less than the average nationally, according to an Insure.com rate analysis.

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

“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.

Key Takeaways

  • The average non-owner car insurance cost in Idaho is $16 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 Idaho pays an average of $732 for non-owner car insurance, whereas a 25-year-old male pays $211 a year for the same coverage.
  • Auto-Owners offers most affordable rates for non-owner car insurance in Idaho at $29.

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

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 $1,895 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 $1,428 in Idaho.

Alternatively, non-owner car insurance is $325 a year on average in the United States and $187 in Idaho.

But actual rates are based on your age and driving history and also where in state you live.

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

In Idaho, Auto-Owners’s non-owner insurance policy is the cheapest at $29 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

CompanyAverage annual premium
Auto-Owners$29
Geico$138
State Farm$186
Nationwide$220
Travelers$247
Sentry Insurance$249
Farmers$355
USAA$76

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

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

Age plays an important role in pricing because young people who haven’t been driving for a long time are seen as higher risk and are more likely to cause an accident. So older and more experienced drivers usually enjoy lower rates. On average, non-owner insurance costs $732 a year for a 16-year-old and $184 for a 45-year-old in Idaho.

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

AgeRates for male driversRates for female drivers
16$764$701
17$636$582
18$546$501
19$382$347
20$344$318
21$270$250
22$255$239
23$231$222
24$223$217
25$209$212
30$196$197
35$192$193
40$187$187
45$185$183
50$179$177
55$176$172
60$176$172
65$184$181
70$195$185
75$211$199

Which Idaho 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 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

CityNon-owner car insurance rates
Grangeville$166
Elk City$168
Kooskia$168
Stites$168
Riggins$169
Mullan$170
Wallace$170
Yellow Pine$171
St. Charles$172
Calder$172
McCall$172
Naples$173
Bloomington$173
Osburn$173
Montpelier$173
Bonners Ferry$173
Moyie Springs$173
Santa$173
Avery$173
White Bird$173

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

CityNon-owner car insurance rates
Nampa$233
Eagle$231
Star$226
Caldwell$225
Kuna$225
Meridian$219
Middleton$218
Boise City$218
Idaho Falls$217
Garden City$216
Ammon$215
Greenleaf$213
Pocatello$211
Chubbuck$211
Melba$211
Wilder$210
Iona$209
Letha$209
Coeur d’Alene$204
Twin Falls$204

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 most expensive at $233; Post Falls has the cheapest rates of the largest cities in the state at $199.

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

10 largest citiesNon-owner car insurance rates
Nampa$233
Caldwell$225
Meridian$219
Boise City$218
Idaho Falls$217
Pocatello$211
Coeur d’Alene$204
Twin Falls$204
Post Falls$199
Rexburg$199

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

Non-owner car insurance rates also differ from state to state. The average non-owner insurance rate in Idaho is $187 a year, which is lower than the national average of $325.

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

StateAverage annual premium
California$299
Florida$545
Georgia$312
Illinois$279
Michigan$513
New York$421
North Carolina$470
Ohio$214
Pennsylvania$263
Texas$447
National Average$325

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

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:

  1. Contact an auto insurance agent about the coverage
  2. Share 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. 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.

expert

What our expert says

Q: Does a non-owner policy cover damage to your car?

expert-image
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 Idaho?

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 states

Alabama$380/Year
Alaska$260/Year
Arizona$396/Year
Arkansas$266/Year
California$299/Year
Colorado$282/Year
Connecticut$395/Year
Delaware$344/Year
Florida$545/Year
Georgia$312/Year
Hawaii$395/Year
Illinois$279/Year
Indiana$259/Year
Iowa$153/Year
Kansas$274/Year
Kentucky$375/Year
Louisiana$330/Year
Maine$238/Year
Maryland$438/Year
Massachusetts$445/Year
Michigan$513/Year
Minnesota$302/Year
Mississippi$321/Year
Missouri$358/Year
Montana$299/Year
Nebraska$186/Year
Nevada$346/Year
New Hampshire$318/Year
New Jersey$459/Year
New Mexico$293/Year
New York$421/Year
North Dakota$209/Year
Ohio$214/Year
Oklahoma$242/Year
Oregon$441/Year
Pennsylvania$263/Year
Rhode Island$518/Year
South Dakota$170/Year
Tennessee$363/Year
Texas$447/Year
Utah$444/Year
Vermont$296/Year
Virginia$290/Year
Washington$349/Year
West Virginia$367/Year
Wisconsin$230/Year
Wyoming$215/Year
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Leslie Kasperowicz
Managing 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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