Car Insurance Non-owner car insurance in Kentucky: Which company has the cheapest rates? The best non-owner insurance rates in Kentucky are available from Nationwide and Auto-Owners. Written by: Leslie Kasperowicz | Reviewed by: Laura Longero Laura Longero Laura Longero is a content strategist and communications leader with more than 15 years of experience in content development in journalism, marketing and communications for start-ups to global companies. She started her career as a reporter and editor and honed her journalistic skills at the USA Today Network, working in several roles, as well as managing content and writing at MoneyGeek and XYZ Media. | Posted on March 10, 2023 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain our editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. 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 premiumAuto-Owners$92USAA$196State Farm$240Geico$351Travelers$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 AgeMaleFemale16$2,581$2,56717$2,209$2,15218$1,909$1,87219$1,230$1,19020$1,158$1,11021$949$92922$814$81323$779$77924$726$73125$615$67030$531$57435$525$56840$522$56045$517$55350$503$53455$491$51160$491$51265$497$53770$549$59675$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 ratesCadiz$254Crofton$254Fort Thomas$256Olmstead$256Dexter$257Eddyville$257Guthrie$257Kuttawa$257Livermore$257Pembroke$257Belton$258Bremen$258Elkton$258Greenville$258Hazel$258Island$258Lewisport$258Sacramento$258Sturgis$258Beech Creek$259 The 20 Kentucky cities with the highest non-owner car insurance rates Cities in KentuckyHighest non-owner car insurance ratesSaul$488Goose Rock$486Lookout$480Gray Hawk$468Hoskinston$464Meally$460Wittensville$459Royalton$456Cromona$455Combs$453Hima$453Williamsport$453Gays Creek$452Lone$452Melvin$452Saint Helens$452Fords Branch$451Stambaugh$450Scuddy$449Wendover$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 ratesLouisville$409Nicholasville$312Lexington$309Covington$287Richmond$287Georgetown$286Elizabethtown$284Bowling Green$278Florence$266Owensboro$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 premiumNorth Carolina$926Florida$759New York$578Michigan$574Texas$408Illinois$385National Average$380Georgia$373Pennsylvania$337California$323Ohio$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: Contact a car insurance agent about the coverage Supply your basic driving history Review the information you receive on the insurers and rates Choose the policy that best meets your needs 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. In case you missed it Best Car Insurance Companies of 2023 Car insurance rates by state: The most expensive and cheapest states for car ins... 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 Table of contents How much does non-owner auto insurance cost in Kentucky? Which insurer offers the cheapest non-owner insurance rates in Kentucky? How much is non-owner car insurance in Kentucky by age? Which Kentucky cities have the cheapest non-owner car insurance? How much is non-owner auto insurance in Kentucky's 10 biggest cities? How non-owner insurance rates in Kentucky compare to rates in other states How to get non-owner auto insurance in Kentucky Get instant quotes now ! Please enter valid zip Get quote