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

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Non-owner auto insurance in Missouri costs $315 annually, which is $38 lower than the average nationally, according to an Insure.com rate analysis.

In Missouri, non-owner policies are available from companies such as State Farm, Geico and Travelers.

“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 Missouri.

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

Non-owner insurance is usually less expensive than full coverage auto insurance—insurance companies consider non-owner policyholders as less of a risk because they have limited access to a vehicle.

On average in the United States, it costs drivers with clean driving records and good credit scores $1,895 annually 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 any damages to property. In Missouri, full coverage car insurance costs $1,984.

Meanwhile, non-owner car insurance costs $353 a year on average in the U.S. and $315 in Missouri.

But actual rates are based on your age and driving history and also where in Missouri you live.

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

With an average annual cost of $123, USAA’s non-owner insurance policy is Missouri’s most affordable.

At $580 a year, American Family 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 Missouri

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

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

Age is an important factor when it comes to pricing. 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. Missouri non-owner insurance costs, on average, $861 a year for a 16-year-old, while it’s $309 for a 45-year-old driver.

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

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 Missouri cities have the cheapest non-owner car insurance?

Rates differ from city to city. Insurers set rates based on data points such as theft, collisions and vandalism in different U.S. cities.

The tables below show which cities in Missouri have the lowest and highest non-owner car insurance rates.

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

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

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

The largest cities in Missouri have varying non-owner insurance rates. The cost of non-owner insurance in St. Louis is the highest at $506, while Rock Port has the cheapest prices of the state’s largest cities at $253.

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

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

Non-owner car insurance rates also differ from state to state. Missouri’s average non-owner insurance rate is $315 a year, lower than the $353 average nationally. At $170 per year, South Dakota is the least expensive, followed by Idaho at an average of $190 a year. Iowa is the third most affordable at $193 annually.

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 car insurance in Missouri

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.

“You must pick up the phone to request a non-owner insurance quote. Although the majority of the major auto insurance providers provide non-owner policies, none of them provide online non-owner insurance estimates,” 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 their 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.

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.”

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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.