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Non-owner auto insurance in Kentucky costs $399 per year, which is $8 less than the rest of the country on average, according to a rate analysis by Insure.com.

In Kentucky, non-owner policies are available from companies such as Auto-Owners, Shelter Insurance 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 Kentucky.

Key Takeaways

  • The average non-owner car insurance cost in Kentucky is $33 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 Kentucky pays an average of $1,788 for non-owner car insurance, whereas a 25-year-old male pays $438 a year for the same coverage.
  • Auto-Owners offers most affordable rates for non-owner car insurance in Kentucky at $116.

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

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 $2,513 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 Kentucky, full coverage car insurance costs $2,976.

Alternatively, non-owner car insurance is $407 a year on average in the United States and $399 in Kentucky.

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

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

Auto-Owners offers Kentucky’s least expensive non-owner insurance policy at $116 a year.

At $1,640 a year, the 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 Kentucky

CompanyAverage annual premium
Auto-Owners$116
Shelter Insurance$163
State Farm$295
Travelers$378
GEICO$407
Progressive$819
Allstate$834
Farmers$1,640
USAA*$174
*USAA is only available to military community members and their families.
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How much is non-owner car insurance in Kentucky 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, Kentucky non-owner insurance costs $397 a year for a 45-year-old, while it’s $1,788 for a 16-year-old driver.

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

AgeRates for male driversRates for female drivers
16$1,781$1,794
17$1,484$1,343
18$1,124$1,045
19$741$707
20$676$630
21$560$537
22$521$520
23$488$488
24$458$460
25$419$457
30$400$418
35$394$413
40$390$407
45$388$405
50$393$396
55$392$391
60$395$394
65$410$407
70$418$418
75$458$446
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Which Kentucky cities have the cheapest non-owner car insurance?

Rates differ from city to city. Insurers consider the number of thefts, collisions and vandalism in an area when calculating rates.

Below are the cheapest and most expensive cities for non-owner car insurance in Kentucky.

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

CityNon-owner car insurance rates
Crofton$306
Cadiz$307
Eddyville$307
Sturgis$308
Elkton$308
Lewisport$308
Kuttawa$309
Olmstead$309
Island$310
Belton$310
Bremen$310
Uniontown$311
Sacramento$311
Beech Creek$311
Dawson Springs$311
Pembroke$311
Fredonia$311
Arlington$311
Princeton$311
Morganfield$311
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The 20 Kentucky cities with the highest non-owner car insurance rates

CityNon-owner car insurance rates
Saul$568
Goose Rock$567
Lookout$556
Gray Hawk$545
Hima$541
Hoskinston$538
Meally$535
Wittensville$534
Fords Branch$533
West Van Lear$530
Rockhouse$530
Fall Rock$529
Yerkes$527
Avawam$527
St. Helens$527
Lone$527
Stambaugh$527
Combs$527
Williamsport$525
Falcon$524
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How much is non-owner car insurance in Kentucky’s 10 biggest cities?

The largest cities in Kentucky have different non-owner insurance rates. The cost of non-owner insurance in Louisville is the highest at $487. Owensboro has the least expensive rates of the largest cities in the state at $316.

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

10 largest citiesNon-owner car insurance rates
Owensboro$316
Florence$324
Bowling Green$332
Elizabethtown$338
Covington$339
Jeffersonville$342
Richmond$344
Georgetown$346
Nicholasville$364
Lexington$371
Jeffersontown$397
Louisville$487
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How non-owner insurance rates in Kentucky compare to rates in other states

Non-owner auto insurance rates also differ from state to state. Kentucky’s average non-owner insurance rate is $399 a year, lower than the $407 national average.

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

StateAverage annual premium
California$394
Florida$925
Georgia$407
Illinois$395
Michigan$462
North Carolina$581
New York$661
Ohio$245
Pennsylvania$352
Texas$418
National Average$407
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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 Kentucky

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 Kentucky?

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$389/Year
Alaska$168/Year
Arizona$477/Year
Arkansas$337/Year
California$394/Year
Colorado$345/Year
Connecticut$991/Year
Delaware$762/Year
Florida$925/Year
Georgia$407/Year
Hawaii$333/Year
Idaho$209/Year
Illinois$395/Year
Indiana$286/Year
Iowa$171/Year
Kansas$340/Year
Louisiana$419/Year
Maine$201/Year
Maryland$471/Year
Massachusetts$499/Year
Michigan$462/Year
Minnesota$278/Year
Mississippi$339/Year
Missouri$440/Year
Montana$326/Year
Nebraska$277/Year
Nevada$569/Year
New Hampshire$379/Year
New Jersey$708/Year
New Mexico$334/Year
New York$661/Year
North Dakota$200/Year
Ohio$245/Year
Oklahoma$291/Year
Oregon$676/Year
Pennsylvania$352/Year
Rhode Island$451/Year
South Dakota$201/Year
Tennessee$386/Year
Texas$418/Year
Utah$603/Year
Vermont$317/Year
Virginia$378/Year
Washington$403/Year
West Virginia$229/Year
Wisconsin$290/Year
Wyoming$215/Year
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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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