Non-owner auto insurance in Maryland: Which company has the cheapest rates?

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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 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 $1,895 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.

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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

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

Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.

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

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

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

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

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-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:

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

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.

What our expert says

Q: Does a non-owner policy cover damage to your car?

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.”

Explore other insurance options in Maryland

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Leslie Kasperowicz

Managing Editor

 

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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.