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

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Non-owner car insurance in Michigan costs $574 a year, which is $221 more than the national average, according to a 2023 rate analysis by Insure.com.

In Michigan, non-owner policies are available from companies 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.

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 car insurance cost in Michigan?

Insurance companies view non-owner policyholders as less of a risk due to their limited access to a vehicle, and therefore, it’s usually cheaper to buy non-owner insurance than full coverage car insurance.

On average in the U.S., it costs a driver with a clean driving record and good credit score $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. In Michigan, full coverage car insurance costs $2,158.

On the other hand, non-owner auto insurance is $353 a year on average in the United States and $574 in Michigan.

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

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.

At $1,175 a year, Farmers 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 Michigan

Cheapest non-owner insurance rates in Michigan

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

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

Older drivers have more time behind the wheel than younger, inexperienced drivers and are less likely to be in an accident. Their rates are generally less expensive than those of younger drivers. On average, Michigan non-owner insurance costs $575 a year for a 45-year-old, while it’s $2,852 for a 16-year-old driver.

Average non-owner car insurance rates in Michigan 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 Michigan cities have the cheapest non-owner auto insurance?

It’s common for rates to vary greatly from ZIP code to ZIP code. When insurance companies set rates, they consider the frequency of thefts, collisions and vandalism in an area.

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

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 most populous cities in Michigan have varying non-owner insurance rates. The cost of non-owner insurance in Detroit is the most expensive at $1,641. Grand Rapids has the cheapest rates of the largest cities in the state at $472.

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 auto insurance rates also differ from state to state. Michigan’s average non-owner insurance rate is $574 a year, more than the $353 national average. At $170 per year, South Dakota is the cheapest, followed by Idaho at an average of $190 per year. Iowa is the third most affordable at $193 annually.

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

How to get non-owner car 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.

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

“Before you buy, phone several insurers and request free car insurance quotes to make sure you pay the lowest price,” says Bruce Mohr, senior investment advisor and credit consultant at Fair Credit, a consumer-credit service and consulting company.

Below are some insurance companies with 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.

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Average homeowners insurance cost in Michigan

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.