Car Insurance Non-owner auto insurance in Maryland: Which company has the cheapest rates? The average cost in Maryland for a non-owner car insurance policy is $285 a year, but companies such as Geico and USAA offer lower rates. Written by: Leslie Kasperowicz Leslie Kasperowicz 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. and John McCormick John McCormick John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology. | 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. | Updated on April 14, 2023 Why you should 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 editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. Non-owner car insurance in Maryland costs $285 a year, which is $68 lower than the rest of the country on average, according to Insure.com’s 2023 rate analysis. In Maryland, non-owner policies are available from companies such as Kemper Insurance, Erie Insurance and Nationwide. 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 Maryland. How much does non-owner car insurance cost in Maryland? Insurers view 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 full coverage auto insurance. On average in the U.S., it costs a driver with a clean driving record and good credit score $1,682 annually 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 any damages to property. In Maryland, full coverage car insurance costs $1,504. On the other hand, non-owner auto insurance is $353 a year on average in the United States and $285 in Maryland. But various factors affect individual rates, such as where in Maryland you live, your age and driving history and other factors. Which insurer offers the cheapest non-owner insurance rates in Maryland? In Maryland, Geico’s non-owner insurance policy is the cheapest at $115 a year. At $640 a year, Progressive 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 Maryland’s most affordable non-owner insurance policies below. Cheapest non-owner insurance rates in Maryland CompanyAverage annual premiumGeico$115USAA$150Kemper Insurance$177Erie Insurance$230Nationwide$286 Note that USAA only offers coverage to military members, veterans and their families. How much is non-owner car insurance in Maryland 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 have lower rates. On average, non-owner insurance costs $836 a year for a 16-year-old and $287 for a 45-year-old in Maryland. Average non-owner car insurance rates in Maryland by age and gender AgeMaleFemale16$874$79817$639$57618$549$49519$481$43220$442$40621$366$35122$345$33823$325$32324$317$31725$299$30930$289$29535$286$29340$285$28945$285$28950$280$28255$279$27860$280$27865$304$30370$308$30875$310$310 Which Maryland cities have the cheapest non-owner auto 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 display the cities in Maryland that have the least and most expensive non-owner auto insurance rates. The 20 Maryland cities with the lowest non-owner car insurance rates Cities in MarylandLowest non-owner car insurance ratesCumberland$227Lonaconing$227Mount Savage$227Midlothian$228Rawlings$228Spring Gap$228Barton$229Eckhart Mines$229Kitzmiller$229Luke$229Westernport$230Grantsville$230Ellerslie$230Flintstone$230Mc Henry$230Deer Park$230Accident$231Bittinger$231Bloomington$231Corriganville$231 The 20 Maryland cities with the highest non-owner car insurance rates Cities in MarylandHighest non-owner car insurance ratesWindsor Mill$428Randallstown$420Capitol Heights$370Brentwood$367Garrison$367Adelphi$366Riverdale$366Bladensburg$365Cheverly$365Mount Rainier$365Forestville$363East Riverdale$362Camp Springs$361Forest Heights$357Baltimore$356Silver Spring$325Glen Burnie$309Waldorf$303Gaithersburg$298Ellicott City$297 How much is non-owner auto insurance in Maryland’s 10 biggest cities? The most populous cities in Maryland have varying non-owner insurance rates. The cost of non-owner insurance in Baltimore is the most expensive at $356, while Frederick has the least expensive prices of the state’s largest cities at $252. Non-owner auto rates in Maryland’s 10 largest cities 10 largest cities in MarylandNon-owner car ratesBaltimore$356Silver Spring$325Glen Burnie$309Waldorf$303Gaithersburg$298Ellicott City$297Columbia$296Germantown$294Bethesda$278Frederick$252 How non-owner insurance rates in Maryland compare to rates in other states Non-owner car insurance rates also differ from state to state. The average non-owner insurance rate in Maryland is $285 a year, which is lower than the national average of $353. South Dakota is the cheapest at $170 annually, followed by Idaho at $190 per year and Iowa at $193 a year. Non-owner auto insurance rates in the 10 most populous states StateAverage annual premiumNorth Carolina$926Florida$759New York$578Michigan$574Texas$408Illinois$385Georgia$373National Average$353Pennsylvania$337California$323Ohio$230 How to get non-ownercar 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: Contact an auto 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. “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 a few insurance companies 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 KasperowiczManaging Editor  . .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. 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... What is Full Coverage Car Insurance? A complete guide to car insurance costs for seniors A complete guide to adding a teenager to your car insurance policy What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? Buying and insuring a used car: Most and least expensive models to insure in 202... 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