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

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 $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

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

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

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 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

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

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.