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It costs an average of $355 per year for non-owner auto insurance in Maryland, which is $25 lower than the average nationally, according to an Insure.com 2023 rate analysis.

In Maryland, these policies are available from companies such as Kemper Insurance, Erie Insurance and Nationwide, 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 Maryland.

How much does non-owner car insurance cost in Maryland?

It’s usually less expensive to buy non-owner insurance than regular auto insurance because insurance companies consider non-owner policyholders less risky due to their minimal access to a car.

On average, in the United States, it costs $1,682 annually for a 100/300/100 full coverage insurance policy. 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. This applies to those drivers with a clean driving record and good credit score. In Maryland, the cost is $1,504.

Alternatively, non-owner car insurance costs $355 a year in Maryland and $380 on average in the U.S.

Different points will affect your personal rates, such as which insurer you buy from, your age and driving history and also where in Maryland you live.

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

Maryland’s least expensive non-owner insurance policy is offered by Geico at $115 a year.

At $844 a year, Farmers Insurance charges the highest rate for non-owner insurance in the state.

A good rule of thumb is to compare quotes from many different insurance companies to identify the best price. Below you’ll find a list of the cheapest non-owner policies that are offered in Maryland

Cheapest non-owner insurance rates in Maryland

CompanyAverage annual premium
Geico$115
USAA$150
Kemper Insurance$177
Erie Insurance$230
Nationwide$286

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

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

Older drivers have been on the road longer than younger, inexperienced drivers and are less likely to be in an accident. Their rates are generally cheaper than those of younger drivers. Maryland non-owner insurance costs, on average, $356 a year for a 45-year-old, whereas it’s $1,110 for a 16-year-old driver.

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

AgeMaleFemale
16$1,148$1,071
17$942$876
18$864$805
19$687$630
20$648$598
21$560$528
22$492$473
23$472$458
24$453$441
25$402$413
30$364$373
35$359$369
40$355$361
45$353$358
50$342$348
55$336$337
60$336$337
65$359$373
70$371$385
75$373$387

Which Maryland cities have the cheapest non-owner auto insurance?

It’s common for rates to vary greatly from ZIP code to ZIP code. Insurers base rates on variables like how common theft, collisions and vandalism are in different cities in the United States.

Below are the cheapest and most expensive cities for non-owner car insurance in Maryland.

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

Cities in Maryland Lowest non-owner car insurance rates
Cumberland$227
Lonaconing$227
Mount Savage$227
Midlothian$228
Rawlings$228
Spring Gap$228
Barton$229
Frostburg$229
Kitzmiller$229
Luke$229
Westernport/Luke$230
Bittinger$230
Ellerslie$230
Flintstone$230
Mc Henry$230
Mountain Lake Park$230
Accident$231
Bittinger$231
Bloomington$231
Corriganville$231

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

Cities in MarylandHighest non-owner car insurance rates
Gwynn Oak$441
Windsor Mill$428
Randallstown$420
Baltimore$415
Pikesville$398
Capitol Heights$370
Chillum$368
Brentwood$367
Owings Mills$367
Langley Park$366
Riverdale$366
Bladensburg$365
Landover$365
Mount Rainier$365
Forestville$363
Hyattsville$362
Hillcrest Heights$361
Suitland$361
Glassmanor$357
Parkville$356

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

The biggest cities in Maryland can have significantly different non-owner insurance rates. The non-owner insurance price in Baltimore is the highest at $415. Frederick has the cheapest prices among the state’s largest cities at $252.

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

10 largest cities in Maryland Non-owner car rates
Baltimore$415
Silver Spring$328
Glen Burnie$309
Waldorf$303
Gaithersburg$298
Ellicott City$297
Columbia$296
Germantown$294
Bethesda$278
Frederick$252

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

The rates for non-owner auto insurance will vary from state to state. The average non-owner insurance rate in Maryland is $355, which is lower than the national average of $380. South Dakota is the least expensive at $170 annually, followed by Idaho at $190 a year and then Iowa at $193 per year.

Non-owner auto 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 car insurance in Maryland

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 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

Often, you’ll receive proof of insurance very quickly.

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

“The most efficient way to go about finding the most affordable non-owner insurance is to work with an insurance broker, [who can] shop multiple insurance companies to find the best price,” says Lauren McKenzie, an insurance agent with A Plus Insurance.

Below are a few insurance companies with 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 commissioned Quadrant Information Services in 2023 to compile non-owner car insurance rates for a 40-year-old male with a good driving record looking for a state minimum, liability-only policy.