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Non-owner auto insurance in Maine costs $201 per year, which is $206 less than the rest of the country on average, according to a rate analysis by Insure.com.

In Maine, non-owner policies are available from companies such as GEICO, Progressive and Frankenmuth Insurance.

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 Maine.

Key Takeaways

  • The average non-owner car insurance cost in Maine is $17 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 Maine pays an average of $697 for non-owner car insurance, whereas a 25-year-old male pays $222 a year for the same coverage.
  • GEICO offers most affordable rates for non-owner car insurance in Maine at $113.

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

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 Maine, full coverage car insurance costs $1,701.

Alternatively, non-owner car insurance is $407 a year on average in the United States and $201 in Maine.

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 Maine?

In Maine, GEICO’s non-owner insurance policy is the cheapest at $113 a year.

At $295 a year, MMG Insurance 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 Maine

CompanyAverage annual premium
GEICO$113
Progressive$220
Frankenmuth Insurance$224
Travelers$227
MMG Insurance$295
USAA*$121
*USAA is only available to military community members and their families.
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How much is non-owner car insurance in Maine 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, Maine non-owner insurance costs $200 a year for a 45-year-old, while it’s $697 for a 16-year-old driver.

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

AgeRates for male driversRates for female drivers
16$767$623
17$728$591
18$668$584
19$414$424
20$376$388
21$283$293
22$270$278
23$255$260
24$248$264
25$219$224
30$219$223
35$208$213
40$199$204
45$197$202
50$198$198
55$194$195
60$193$195
65$193$194
70$193$194
75$193$194
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Which Maine 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 Maine.

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

CityNon-owner car insurance rates
Patten$171
Houlton$171
Monticello$172
Hampden$173
Oxbow$173
Wytopitlock$174
Easton$174
Mars Hill$174
Washburn$174
Mapleton$174
Benedicta$174
Greenville$174
Sherman$175
Brownville$175
Island Falls$175
Medway$176
Stacyville$176
Presque Isle$176
East Millinocket$176
New Sweden$176
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The 20 Maine cities with the highest non-owner car insurance rates

CityNon-owner car insurance rates
Danville$240
Westbrook$239
East Baldwin$239
Lisbon$237
Durham$235
Belgrade Lakes$233
Lewiston$233
Edgecomb$232
North Yarmouth$232
Coopers Mills$231
China Village$231
East Vassalboro$230
North Jay$230
West Farmington$230
Ocean Park$229
Bar Mills$229
Kents Hill$229
Long Island$228
East Poland$228
South Windham$227
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How much is non-owner car insurance in Maine’s 10 biggest cities?

The largest cities in Maine have different non-owner insurance rates. The cost of non-owner insurance in Westbrook is the highest at $239. Bangor has the least expensive rates of the largest cities in the state at $192.

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

10 largest citiesNon-owner car insurance rates
Bangor$192
Biddeford$204
Saco$212
Augusta$213
Sanford$215
South Portland$218
Auburn$223
Portland$223
Lewiston$233
Westbrook$239
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How non-owner insurance rates in Maine compare to rates in other states

Non-owner auto insurance rates also differ from state to state. Maine’s average non-owner insurance rate is $201 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 Maine

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 2025 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 Maine?

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
Kentucky$399/Year
Louisiana$419/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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