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

Why you can trust Insure.com

Quality Verified

At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

Non-owner auto insurance in Michigan costs $462 per year, which is $55 more than the rest of the country on average, according to a rate analysis by Insure.com.

In Michigan, non-owner policies are available from companies such as Travelers, Pioneer State Mutual and Auto-Owners.

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 Michigan.

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

Insurers consider non-owner policyholders as less risky due to their limited access to a vehicle, and therefore, it’s usually less expensive to buy a non-owner insurance policy than full coverage auto insurance.

On average in the U.S., it costs a driver with a clean driving record and good credit score $2,513 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. In Michigan, full coverage car insurance costs $3,146.

Alternatively, non-owner car insurance is $407 a year on average in the United States and $462 in Michigan.

But various factors affect individual rates, such as where in state you live, your age and driving history and other factors.

You might find interesting

• Average car insurance cost in Michigan
• Car insurance calculator for teens in Michigan
• Cheapest car insurance in Michigan
• Cheapest SR-22 insurance in Michigan
• Do you need insurance to register a car in Michigan?
• How long does a speeding ticket stay on your record in Michigan
• How much is gap insurance in Michigan
• Michigan car insurance calculator
• The best, cheapest car insurance in Michigan
• Best and cheapest companies for home and auto bundles in Michigan

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

In Michigan, Travelers’s non-owner insurance policy is the cheapest at $242 a year.

At $1,015 a year, Frankenmuth Insurance charges the highest rate for non-owner insurance in the state.

Experts recommend comparing quotes from many different insurance companies so that you can find the best rate available. The cheapest non-owner insurance policies in the state are listed below.

Cheapest non-owner insurance rates in Michigan

How much is non-owner car insurance in Michigan 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 Michigan, a 45-year-old will pay an average of $459 annually for a non-owner insurance policy compared to a 16-year-old driver who will pay an average of $1,063.

Average non-owner auto insurance rates in Michigan by age and gender

Our agents make it hassle-free to get the right quote.

Call (844) 814-8854

Ethan Available Now

Jack Available Now

Robbie Available Now

Ellie Available Now

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

Rates differ from city to city. When insurance companies set rates, they consider the frequency of thefts, collisions and vandalism in an area.

The tables below display the cities in Michigan that have the least and most expensive non-owner auto insurance rates.

The 20 Michigan cities with the lowest non-owner auto insurance rates

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

How much is non-owner car insurance in Michigan’s 10 biggest cities?

The largest cities in Michigan have different non-owner insurance rates. The cost of non-owner insurance in Dearborn is the highest at $939. Ann Arbor has the least expensive rates of the largest cities in the state at $417.

Non-owner auto rates in Michigan’s 10 largest cities

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

Non-owner car insurance rates also differ from state to state. The average non-owner insurance rate in Michigan is $462 a year, which is higher than the national average of $407.

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-owner auto insurance in Michigan

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 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. Here are a few car 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 2025 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.”

Leslie Kasperowicz

Managing Editor

 

|

 . .

Leslie Kasperowicz is an insurance expert and the executive editor of Insurance.com. Before joining QuinStreet, she was managing editor at Quote.com has a decade of experience writing about insurance. She also spent four years in customer service with Farmers Insurance.

Explore other insurance options in Michigan

The best, cheapest car insurance in Michigan

How much is renters insurance in Michigan

Average homeowners insurance cost in Michigan