Non-owner car insurance in Massachusetts: Which company has the cheapest rates?

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Non-owner car insurance in Massachusetts costs $449 per year, which is $96 more than the national average, according to a 2023 rate analysis by Insure.com.

In Massachusetts, non-owner policies are available from companies such as USAA, Arbella Insurance and Geico.

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 Massachusetts.

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

Non-owner insurance is usually less expensive than full coverage auto insurance—insurers view non-owner policyholders as less risky because they have minimal access to a vehicle.

On average in the United States, it costs a driver with a clean driving record and good credit score $1,682 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. Full coverage car insurance is $1,528 in Massachusetts.

Alternatively, non-owner car insurance costs $353 a year on average in the U.S. and $449 in Massachusetts.

But actual rates are based on where in Massachusetts you live, your age and driving history and other points.

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

With an average annual cost of $143, State Farm’s non-owner insurance policy is Massachusetts’ most affordable.

At $805 a year, Progressive 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 get the best price. Below you’ll find a list of the cheapest non-owner policies offered in Massachusetts

Cheapest non-owner insurance rates in Massachusetts

Note that USAA only offers coverage to military members, veterans and their families.

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

Age is an important factor when it comes to pricing. Statistically, young drivers are a higher risk because they haven’t been driving for long and are more likely to cause an accident than older, more experienced drivers. In Massachusetts, a 45-year-old will pay an average of $441 annually for a non-owner insurance policy versus a 16-year-old driver who will pay an average of $1,355.

Average non-owner car insurance rates in Massachusetts by age

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 Massachusetts 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.

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

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

The 20 Massachusetts cities with the highest non-owner auto insurance rates

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

The most populous cities in Massachusetts have different non-owner insurance rates. The cost of non-owner insurance in Brockton is the highest at $877. Cambridge has the least expensive prices of the state’s largest cities at $505.

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

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

Non-owner auto insurance rates also differ from state to state. The average non-owner insurance rate in Massachusetts is $449 a year, which is more 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 car insurance rates in the 10 most populous states

How to get non-ownercar insurance in Massachusetts

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. 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 go online for a quote.

“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 some insurers with their 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 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.

Explore other insurance options in Massachusetts

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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.