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

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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

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

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

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

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

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

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.