Home Car insurance Non-owner car insurance Non-owner auto insurance in Michigan Non-owner auto insurance in Michigan: Which company has the cheapest rates? The average cost in Michigan for a non-owner car insurance policy is $574 a year, but companies such as Travelers and USAA offer lower rates. Written by: Leslie Kasperowicz Leslie Kasperowicz 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. and John McCormick John McCormick John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology. | Reviewed by: Laura Longero Laura Longero Laura Longero is a content strategist and communications leader with more than 15 years of experience in content development in journalism, marketing and communications for start-ups to global companies. She started her career as a reporter and editor and honed her journalistic skills at the USA Today Network, working in several roles, as well as managing content and writing at MoneyGeek and XYZ Media. | Updated on April 14, 2023 Why you should trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. 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. Key Takeaways The average non-owner car insurance cost in Michigan is $48 per month for a 40-year-old male with a good driving record. Car insurance rates vary by age. For instance, a 16-year-old male in Michigan pays an average of $2,852 for non-owner car insurance, whereas a 25-year-old male pays $598 a year for the same coverage. Travelers offers most affordable rates for non-owner car insurance in Michigan at $93. 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 CompanyAverage annual premiumTravelers$93USAA$224Auto-Owners$342Geico$719Progressive$891 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 AgeRate16$2,85217$2,00418$1,77019$98020$91021$78722$74823$71324$69625$59830$55935$55840$57445$57550$57455$55960$55365$57570$68875$732 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.Car insurance rates in Michigan by cityDetroitGrand RapidsWarrenSterling HeightsAnn ArborWhich 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 Cities in MichiganLowest non-owner car insurance ratesGrand Haven$441Allendale$443Spring Lake$444West Olive$446Cannonsburg$447Friendship$447Houghton$447Carp Lake$448Jenison$448Byron Center$449Petoskey$449Calumet$450Levering$450Cross Village$451Nisula$451Oden$451Toivola$451Alanson$452Good Hart$452Brutus$453 The 20 Michigan cities with the highest non-owner car insurance rates Cities in MichiganHighest non-owner car insurance ratesDetroit$1,641Harper Woods$1,518Dearborn$1,164River Rouge$1,161Melvindale$1,152Dearborn Heights$1,118Hazel Park$1,088Ecorse$1,084Oak Park$1,052Inkster$1,039Southfield$1,037Wayne$1,031Eastpointe$1,008Center Line$1,007Riverview$978Pontiac$930Redford$902Lincoln Park$889Garden City$867Westland$835 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 10 largest cities in MichiganNon-owner car ratesDetroit$1,641Dearborn$1,164Westland$835Warren$829Sterling Heights$785Livonia$630Troy$592Lansing$500Ann Arbor$477Grand Rapids$472 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 StateAverage annual premiumCalifornia$323Florida$671Georgia$373Illinois$286Michigan$574New York$578North Carolina$989Ohio$198Pennsylvania$216Texas$408National Average$353 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: Contact an auto insurance agent about the coverage Supply your basic driving history Review the information you receive on the insurers and rates Choose the policy that best meets your needs 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. Explore other insurance options in Michigan Average car insurance cost in Michigan Cheapest homeowners insurance in Michigan Average renters insurance cost in Michigan How much is car insurance in other statesAlaska$1,359/YearAlabama$1,542/YearArkansas$1,597/YearArizona$1,617/YearCalifornia$2,115/YearColorado$1,940/YearConnecticut$1,750/YearDelaware$2,137/YearFlorida$2,560/YearGeorgia$1,647/YearHawaii$1,306/YearIowa$1,321/YearIdaho$1,121/YearIllinois$1,578/YearIndiana$1,256/YearKansas$1,594/YearKentucky$2,105/YearLouisiana$2,546/YearMassachusetts$1,538/YearMaryland$1,640/YearMaine$1,116/YearMinnesota$1,493/YearMissouri$2,104/YearMississippi$1,606/YearMontana$1,692/YearNorth Carolina$1,368/YearNorth Dakota$1,419/YearNebraska$2,018/YearNew Hampshire$1,307/YearNew Jersey$1,901/YearNew Mexico$1,505/YearNevada$2,023/YearNew York$2,020/YearOhio$1,023/YearOklahoma$1,797/YearOregon$1,244/YearPennsylvania$1,445/YearRhode Island$1,845/YearSouth Carolina$1,894/YearSouth Dakota$1,581/YearTennessee$1,373/YearTexas$1,875/YearUtah$1,469/YearVirginia$1,321/YearVermont$1,158/YearWashington$1,371/YearWisconsin$1,499/YearWest Virginia$1,610/YearWyoming$1,736/YearShow moreLeslie KasperowiczManaging Editor  . .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. 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