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

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Non-owner auto insurance in New York costs $578 per year, which is $225 more than the rest of the country on average, according to a 2023 rate analysis by Insure.com.

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 more 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?

Insurance companies 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 United States, 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 New York, full coverage car insurance costs $2,020.

Alternatively, non-owner car insurance is $353 a year on average in the U.S. and $578 in New York.

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

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.

At $1,041 a year, Progressive 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 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?

Older drivers have been driving longer than younger, inexperienced drivers and are less likely to be in an accident. Their rates are usually cheaper than those of younger drivers. On average, New York non-owner insurance costs $590 a year for a 45-year-old, while it’s $1,484 for a 16-year-old driver.

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

Rates differ from ZIP code to ZIP code. Insurers consider the number of thefts, collisions and vandalism in an area when calculating rates.

The tables below display 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 car insurance rates

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

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

The most populous cities in New York have varying non-owner insurance rates. The cost of non-owner insurance in Mount Vernon is the highest at $900; Hogansburg has the cheapest rates of the largest cities in the state at $354.

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

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

Non-owner auto insurance rates also differ from state to state. New York’s average non-owner insurance rate is $578 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 a year. Iowa is the third most affordable at $193 annually.

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

How to get non-owner auto insurance in New York

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.

Here are a few insurance companies with their contact 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.

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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.