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

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Non-owner auto insurance in Michigan is $574 per year, which is $194 more than the rest of the country on average, according to Insure.com’s 2023 rate analysis.

Many companies offer these policies in Michigan, such as Auto-Owners, Geico and Progressive.

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.

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 Michigan.

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

It’s usually less expensive to buy non-owner insurance than typical auto insurance because insurers regard non-owner policyholders as less risky due to their minimal access to a car.

On average, in the U.S., it costs $1,682 annually for a 100/300/100 full coverage insurance policy. This includes $100,000 for injuries you might cause in an accident, up to $300,000 per accident, and an additional $100,000 for property damage. This applies to those drivers with a good credit score as well as a clean driving record. In Michigan, the cost is $2,158.

On the other hand, non-owner car insurance is $574 in Michigan and $380 on average in the United States.

Many factors will affect your rates, such as where in Michigan you live, which insurer you purchase from as well as your age and driving history.

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

In Michigan, Travelers’ non-owner insurance policy is the cheapest at $93 a year on average.

At $1,175, Farmers Insurance 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 Michigan are listed below.

Cheapest non-owner insurance rates in Michigan

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

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

Age plays an important role in pricing because young people who haven’t been driving for a long time are riskier; they are more likely to cause an accident. Therefore, older and more experienced drivers usually enjoy lower rates. On average, non-owner insurance costs $2,852 a year for a 16-year-old and $575 for a 45-year-old in Michigan.

Average non-owner auto insurance rates in Michigan by age 

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

There’s a great deal of variation from city to city when it comes to rates. Insurers set rates based on factors such as theft, collisions and vandalism in different U.S. cities.

Below are charts displaying 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 car insurance rates

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

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

The biggest cities in Michigan can have significantly different non-owner insurance rates. The non-owner insurance price in Detroit is the most expensive at $1,641, while Ann Arbor has the least expensive rates among the largest cities in the state at $477.

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

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

From state to state, the rates for non-owner auto insurance can also differ. Michigan’s average non-owner insurance rate is $574, more than the $380 national average. At $170 per year, South Dakota is the cheapest, followed by Idaho at an average of $190 per year. Next up, it’s Iowa at $193 annually.

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

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 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

In many cases, you’ll get proof of insurance almost immediately.

For a non-owner car insurance policy quote, you must call your insurer instead of visiting their website.

“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 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