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

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Non-owner car insurance in New York costs $578 a year, which is $198 more than the rest of the country on average, according to Insure.com’s 2023 rate analysis.

In New York, non-owner policies are available from companies such as USAA, State Farm and American Family.

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 about the various requirements, what non-owner insurance is, which companies offer it and how much it costs in New York.

How much does non-owner car insurance cost in New York?

It’s usually cheaper to buy a non-owner insurance policy than regular auto insurance because insurance companies consider non-owner policyholders less risky due to their limited access to a car.

In the U.S., it costs drivers with a good credit score and a clean driving record an average of $1,682 a year for a 100/300/100 full coverage insurance policy. This includes $100,000 for injuries you may cause in an accident, up to $300,000 per accident, and an additional $100,000 for property damage. In New York, the cost of full coverage car insurance is $2,020.

Meanwhile, non-owner car insurance is $578 in New York and $380 on average in the United States.

But individual rates are based on various factors, such as where in New York you live, which insurer you purchase from as well as your age and driving history.

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

In New York, Geico’s non-owner insurance policy is the cheapest at $177 a year  on average.

At $1,041, Progressive 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 that are offered in New York.

Cheapest non-owner insurance rates in New York

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

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

Age plays an important role in pricing because young people who haven’t been driving for a long time are viewed as riskier and  more likely to cause an accident. So, older and more experienced drivers usually have lower rates. On average, non-owner insurance costs $1,484 yearly for a 16-year-old and $590 for a 45-year-old in New York.

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

Which New York cities have the cheapest non-owner auto insurance?

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

Below are tables displaying the cities in New York that have the least and most expensive non-owner auto insurance rates.

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

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

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

The biggest cities in New York have varying non-owner insurance rates. The non-owner insurance price in Mount Vernon is the most expensive at $900.

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

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

From state to state, the rates for non-owner car insurance also differ. New York’s average non-owner insurance rate is $578, more than the $380 national average. At $170 per year, South Dakota is the cheapest, followed by Idaho at an average of $190 a year. After that is Iowa at $193 annually.

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

How to get non-owner auto insurance in New York

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

In many cases, you’ll get proof of insurance almost immediately.

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

“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.

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.