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

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Non-owner car insurance in Kentucky costs $484 per year, which is $131 more than the U.S. average, according to an Insure.com 2023 rate analysis.

In Kentucky, non-owner policies are available from companies such as State Farm, Geico and Travelers.

“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.

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

Non-owner insurance is usually less expensive than full coverage auto insurance—insurance companies consider non-owner policyholders as less risky because they have limited 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 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. Full coverage car insurance is $1,864 in Kentucky.

Meanwhile, non-owner car insurance costs $353 a year on average in the United States and $484 in Kentucky.

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

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

With an average annual cost of $92, Auto-Owners’ non-owner insurance policy is Kentucky’s most affordable.

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

To find the best price, compare quotes from different insurance companies. Below is a list of the cheapest non-owner insurance available in the state.

Cheapest non-owner insurance rates in Kentucky

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 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 $1,597 a year for a 16-year-old and $496 for a 45-year-old in Kentucky.

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

Which Kentucky cities have the cheapest non-owner car 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 show which cities in Kentucky have the lowest and highest non-owner car insurance rates.

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

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

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

The largest cities in Kentucky have varying non-owner insurance rates. The cost of non-owner insurance in Louisville is the most expensive at $602, while Owensboro has the least expensive rates of the largest cities in the state at $320.

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

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 $484 a year, more than the $353 average nationally. At $170 per year, South Dakota is the cheapest, followed by Idaho at an average of $190 a year. Iowa is the third most affordable at $193 annually.

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

How to get non-owner car insurance in Kentucky

To get a non-owner policy, you 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

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

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

“You must pick up the phone to request a non-owner insurance quote. Although the majority of the major auto insurance providers provide non-owner policies, none of them provide online non-owner insurance estimates,” says Bruce Mohr, senior investment advisor and credit consultant at Fair Credit, a consumer-credit service and consulting company.

Here are some insurers with their contact 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.