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

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It costs an average of $421 per year for non-owner auto insurance in Massachusetts, which is $41 more than the U.S. average, according to an Insure.com 2023 rate analysis.

In Massachusetts, these policies are available from companies such as Farmers Insurance, USAA and Arbella Insurance, 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 know what non-owner insurance is, which companies offer it and how much it costs in Massachusetts.

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

Non-owner insurance is usually cheaper than regular auto insurance—insurers regard non-owner policyholders as less risky because they have limited access to a vehicle.

On average, in the United States, it costs $1,682 per 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. This is applicable to drivers with a good credit score as well as a clean driving record. It’s $1,528 in Massachusetts.

On the other hand, non-owner auto insurance costs $380 on average in the U.S. and $421 in Massachusetts.

There are various factors that go into the calculation of rates, such as which insurer you buy from, your age and driving history and also where in Massachusetts you live.

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

Massachusetts’ least expensive non-owner insurance policy is offered by State Farm at $143 a year.

At $805 a year, Progressive charges the highest rate for non-owner insurance in the state.

You should compare quotes from multiple insurers in order to find the best price. The cheapest non-owner policies available in Massachusetts are listed below.

Cheapest non-owner insurance rates in Massachusetts

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

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

Older drivers have more time behind the wheel than younger, inexperienced drivers and are less likely to be involved in an accident. Their rates are generally cheaper than those of younger drivers. Massachusetts non-owner insurance costs, on average, $414 a year for a 45-year-old, whereas it’s $1,251 for a 16-year-old driver.

Average non-owner car insurance rates in Massachusetts by age 

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

From city to city, there’s a lot of variation in rates. When insurance companies set rates, they consider the frequency of thefts, collisions and vandalism within the area.

Below are charts showing which cities in Massachusetts have the lowest and highest non-owner car insurance rates.

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

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

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

The most populous cities in Massachusetts can have significantly different non-owner insurance rates. The non-owner insurance rate in Brockton is the highest at $877, whereas Cambridge has the cheapest rates among the state’s most populous 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

From state to state, the rates for non-owner car insurance can also differ. Massachusetts’ average non-owner insurance rate is $421; more than the $380 average nationally. At $170 per year, South Dakota is the cheapest, followed by Idaho at an average of $190 a year. After that, it’s Iowa at $193 annually.

Non-owner auto insurance rates in the 10 most populous states

How to get non-owner car insurance in Massachusetts

Your driver’s license number and a credit or debit card are all you need to get a non-owner insurance policy.

To purchase a policy, follow these steps:

1. Contact a car 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 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 some insurers 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 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.