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

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In New Jersey, non-owner policies are available from companies such as Mercury Insurance, Farmers and State Farm.

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 New Jersey.

How much does non-owner auto insurance cost in New Jersey?

Insurers view non-owner policyholders as less of a risk due to their minimal access to a car, and therefore, it’s usually less expensive to buy non-owner insurance than full coverage auto insurance.

On average in the U.S., it costs a driver with a clean driving record and good credit score $1,682 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 property damage. In New Jersey, full coverage car insurance costs $1,910.

On the other hand, non-owner car insurance is $353 a year on average in the United States and $993 in New Jersey.

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

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

Geico offers New Jersey’s least expensive non-owner insurance policy at $303 a year.

At $2,752 a year, Progressive charges the highest rate for non-owner insurance in the state.

You should compare quotes from multiple insurers to find the best price. The cheapest non-owner policies available in New Jersey are listed below.

Cheapest non-owner insurance rates in New Jersey

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

Age is an important factor when it comes to pricing. Statistically, 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. In New Jersey, a 45-year-old will pay an average of $1,029 annually for a non-owner insurance policy compared to a 16-year-old driver who will pay an average of $2,347.

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

Rates differ from ZIP code to ZIP code. When insurance companies set rates, they consider the frequency of thefts, collisions and vandalism in an area.

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

The 20 New Jersey cities with the lowest non-owner auto insurance rates

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

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

The largest cities in New Jersey have varying non-owner insurance rates. The cost of non-owner insurance in Paterson is the most expensive at $1,334, while Toms River has the cheapest rates of the state’s most populous cities at $969.

Non-owner auto rates in New Jersey’s 10 largest cities

How non-owner insurance rates in New Jersey compare to rates in other states

Non-owner car insurance rates also differ from state to state. New Jersey’s average non-owner insurance rate is $993 a year, more than the $353 average nationally. At $170 per year, South Dakota is the least expensive, followed by Idaho at an average of $190 per year. Iowa is the third most affordable at $193 annually.

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

How to get non-owner car insurance in New Jersey

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 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 quote on a non-owner insurance policy, don’t go online and call your insurer instead.

“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 a few 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 New-Jersey

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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.