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It costs an average of $522 a year for non-owner car insurance in Kentucky, which is $142 more than the national average, according to a 2023 rate analysis from Insure.com.

In Kentucky, these policies are available from companies such as USAA, State Farm and Geico, in addition to many others.

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.

In addition to understanding the various requirements, it’s important to learn what non-owner insurance is, which companies offer it and how much it costs in Kentucky.

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

Insurers regard 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 regular auto insurance.

On average, in the United States, it’s $1,682 per year for a 100/300/100 full coverage insurance policy for drivers with a clean driving record plus a good credit score. This includes $100,000 for injuries you may cause in an accident, up to $300,000 per accident, and an additional $100,000 for any damages to property. In Kentucky, it costs $1,864.

On the other hand, non-owner car insurance is $522 a year in Kentucky and $380 on average in the U.S. by comparison.

There are various criteria that affect rates, such as which insurer you buy from, your age and driving history and also where in Kentucky you live.

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

In Kentucky, Auto-Owners’ non-owner insurance policy is the cheapest at $92 on average.

At $1,178, Nationwide charges the highest rate for non-owner insurance in the state.

The best way to find the lowest price is to compare quotes from several different insurers. We have listed Kentucky’s most affordable non-owner insurance policies below.

Cheapest non-owner insurance rates in Kentucky

CompanyAverage annual premium
Auto-Owners$92
USAA$196
State Farm$240
Geico$351
Travelers$361

You should note that USAA only offers coverage to military members, veterans and their families.

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

Age is also 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. Kentucky non-owner insurance costs, on average, $2,574 a year for a 16-year-old, whereas it’s $535 for a 45-year-old driver.

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

AgeMaleFemale
16$2,581$2,567
17$2,209$2,152
18$1,909$1,872
19$1,230$1,190
20$1,158$1,110
21$949$929
22$814$813
23$779$779
24$726$731
25$615$670
30$531$574
35$525$568
40$522$560
45$517$553
50$503$534
55$491$511
60$491$512
65$497$537
70$549$596
75$613$649

Which Kentucky cities have the cheapest non-owner car insurance?

From city to city, there’s a lot of variation in rates. Insurers set rates based on factors such as theft, collisions and vandalism in different U.S. cities.

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

Cities in KentuckyLowest non-owner car insurance rates
Cadiz$254
Crofton$254
Fort Thomas$256
Olmstead$256
Dexter$257
Eddyville$257
Guthrie$257
Kuttawa$257
Livermore$257
Pembroke$257
Belton$258
Bremen$258
Elkton$258
Greenville$258
Hazel$258
Island$258
Lewisport$258
Sacramento$258
Sturgis$258
Beech Creek$259

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

Cities in KentuckyHighest non-owner car insurance rates
Saul$488
Goose Rock$486
Lookout$480
Gray Hawk$468
Hoskinston$464
Meally$460
Wittensville$459
Royalton$456
Cromona$455
Combs$453
Hima$453
Williamsport$453
Gays Creek$452
Lone$452
Melvin$452
Saint Helens$452
Fords Branch$451
Stambaugh$450
Scuddy$449
Wendover$448

How much is non-owner auto insurance in Kentucky’s 10 biggest cities?

The biggest cities in Kentucky can have rates that are significantly different. The non-owner insurance price in Louisville is the highest at $409 a year; Owensboro has the least expensive prices among the state’s largest cities at $261.

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

10 largest cities in Kentucky Non-owner car rates
Louisville$409
Nicholasville$312
Lexington$309
Covington$287
Richmond$287
Georgetown$286
Elizabethtown$284
Bowling Green$278
Florence$266
Owensboro$261

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

The rates for non-owner auto insurance will differ between states too. The average non-owner insurance rate in Kentucky is $522, which is more than the national average of $380. South Dakota is the cheapest at $170 annually, followed by Idaho at $190 per year and then Iowa at $193 a year.

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

StateAverage annual premium
North Carolina$926
Florida$759
New York$578
Michigan$574
Texas$408
Illinois$385
National Average$380
Georgia$373
Pennsylvania$337
California$323
Ohio$230

How to get non-owner auto insurance in Kentucky

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

In many cases, you’ll get proof of insurance almost immediately.

For a quote on a non-owner insurance policy, don’t go online and call your insurer instead.

“Before you buy, phone several insurers and request free car insurance quotes to make sure you pay the lowest price,” says Bruce Mohr, senior investment advisor and credit consultant at Fair Credit, a consumer-credit service and consulting company.

Below are some insurance companies 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.