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

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Non-owner car insurance in Missouri is $315 annually, according to Insure.com’s 2023 rate analysis, which is $65 lower than the rest of the country on average.

In Missouri, these policies are available from companies such as State Farm, Geico and Travelers, in addition to many others.

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 learn what non-owner insurance is, which companies offer it and how much it costs in Missouri.

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

Insurance companies regard non-owner policyholders as less of a risk due to their limited access to a car; therefore, it’s usually less expensive to buy non-owner insurance than regular car insurance.

On average, in the U.S., it costs $1,682 a year 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 and a clean driving record. In Missouri, it’s $1,984.

On the other hand, non-owner auto insurance is $315 a year in Missouri and $380 on average in the U.S. by comparison.

Various criteria affect rates, such as how old you are, your driving history, and your chosen insurance company.

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

Missouri’s least expensive non-owner insurance policy is offered by USAA at $123 a year.

At $580, American Family 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 Missouri are listed below.

Cheapest non-owner insurance rates in Missouri

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

How much is non-owner car insurance in Missouri 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 usually cheaper than those of younger drivers. Missouri non-owner insurance costs, on average, $309 a year for a 45-year-old, whereas it’s $861 for a 16-year-old driver.

Average non-owner car insurance rates in Missouri by age and gender

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

From ZIP code to ZIP code, rates can be very different. When insurance companies set rates, they consider the frequency of thefts, collisions and vandalism within the area.

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

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

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

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

The largest cities in Missouri can have rates that are significantly different. The non-owner insurance price in St. Louis is the most expensive at $506, while Columbia has the least expensive rates among the state’s most populous cities at $314.

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

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

From state to state, the rates for non-owner auto insurance can also differ. Missouri’s average non-owner insurance rate is $315, lower than the $380 national average. At $170 per year, South Dakota is the least expensive, 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 Missouri

To get a non-owner policy, you need your driver’s license number and a credit or debit card.

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

Here are a few insurance companies with their contact numbers to call for a non-owner insurance quote.

• Farmers: 800-974-6755
• The Hartford: 888-413-8970
• Kemper: 866-530-5500
• Mercury: 866-910-2768
• Nationwide: 888-869-5727
• Progressive: 866-749-7436
• State Farm: 800-782-8332
• Travelers: 866-925-0105

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.