Car Insurance Non-owner car insurance in Texas: Which company has the cheapest rates? Residents pay an average of $408 for non-owner car insurance, but Auto Club and USAA offer lower rates. Written by: Leslie Kasperowicz | Reviewed by: Laura Longero Laura Longero Laura Longero is a content strategist and communications leader with more than 15 years of experience in content development in journalism, marketing and communications for start-ups to global companies. She started her career as a reporter and editor and honed her journalistic skills at the USA Today Network, working in several roles, as well as managing content and writing at MoneyGeek and XYZ Media. | Posted on March 16, 2023 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain our editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. Non-owner auto insurance in Texas costs $408 annually, which is $28 more than the national average, according to Insure.com’s 2023 rate analysis. Many companies offer these policies in Texas, such as State Farm, Mercury Insurance and Nationwide. 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 Texas. How much does non-owner car insurance cost in Texas? Insurance companies regard non-owner policyholders as less of a risk due to their minimal access to a vehicle, and therefore, it’s usually less expensive to buy a non-owner insurance policy than typical car insurance. On average in the U.S., it costs drivers with a good credit score and a clean driving record $1,682 per 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 Texas, it costs $1,794. Non-owner auto insurance is $408 in Texas and $380 on average in the U.S. by comparison. But there are various criteria to consider when comparing rates, such as which insurer you buy from, your age and driving history and also where in Texas you live. Which insurer offers the cheapest non-owner insurance rates in Texas? With an average annual cost of $174, Auto Club’s non-owner insurance policy is Texas’ most affordable. At $878, Geico charges the highest rate for non-owner insurance in the state. The best way to find the lowest price is to compare quotes from several different insurers. We have listed Texas’ most affordable non-owner insurance policies below. Cheapest non-owner insurance rates in Texas CompanyAverage annual premiumAuto Club$174USAA$187State Farm$204Mercury Insurance$340Nationwide$497 Note that USAA only offers coverage to military members, veterans and their families. How much is non-owner car insurance in Texas by age? Age is also important when it comes to pricing. Statistically, young drivers are riskier because they haven’t been driving for long and are more likely to cause an accident than older, more experienced drivers. In Texas, a 45-year-old will pay $413 annually on average for a non-owner insurance policy compared to a 16-year-old driver who will pay $1,211 on average. Average non-owner auto insurance rates in Texas by age and gender AgeMaleFemale16$1,225$1,19617$971$94218$909$88119$751$73420$689$68021$584$54622$543$51223$499$47824$478$46425$464$45230$424$43335$409$42440$408$41845$409$41750$405$40955$396$40560$388$39565$410$40670$442$42575$482$448 Which Texas cities have the cheapest non-owner car insurance? There’s a great deal of variation from city to city when it comes to rates. 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 Texas. The 20 Texas cities with the lowest non-owner car insurance rates Cities in Texas Lowest non-owner car insurance ratesSierra Blanca$305Fort Hancock$308Alanreed$317Alpine$317Dell City$317Marathon$317Marfa$317Presidio$317Redford$317Balmorhea$318Big Bend National Park$318Fort Stockton$318McLean$318Orla$318Pecos$318Saragosa$318Terlingua$318Toyah$318Toyahvale$318Valentine$318 The 20 Texas cities with the highest non-owner auto insurance rates Cities in Texas Highest non-owner car insurance ratesAlief$573Edinburg$557Pharr$557Hidalgo$549McAllen$548South Houston$547Alamo$542Edcouch$541Elsa$541La Villa$540Progreso$540Hargill$536San Juan$536Weslaco$535Donna$532Penitas$531Houston$528Stafford$528Fresno$525Missouri City$523 How much is non-owner car insurance in Texas’ 10 biggest cities? The biggest cities in Texas can have significantly different non-owner insurance rates. The non-owner insurance rate in Houston is the highest at $528, whereas El Paso has the least expensive prices among the state’s largest cities at $400. Non-owner auto insurance rates in Texas’ 10 largest cities 10 largest cities in TexasNon-owner car ratesHouston$528Dallas$487Plano$468Irving$467Arlington$466Corpus Christi$465San Antonio$461Austin$442Fort Worth$440El Paso$400 How non-owner insurance rates in Texas compare to rates in other states The rates for non-owner car insurance will differ from state to state. The average non-owner insurance rate in Texas is $408, which is more than the national average of $380. South Dakota is the cheapest at $170 annually, followed by Idaho at $190 per year and Iowa at $193 a year. Non-owner auto insurance rates in the 10 most populous states StateAverage annual premiumNorth Carolina$926Florida$759New York$578Michigan$574Texas$408Illinois$385National Average$380Georgia$373Pennsylvania$337California$323Ohio$230 How to get non-owner car insurance in Texas To get a non-owner policy, you’ll need your driver’s license number and a credit or debit card. To purchase a policy, follow these steps: Contact an auto insurance agent about the coverage Supply your basic driving history Review the information you receive on the insurers and rates Choose the policy that best meets your needs 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 best way to find any insurance is to shop around and price match,” says Marlon Moss, a licensed agent at A Plus Insurance. Below are a few insurers 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. In case you missed it Best Car Insurance Companies of 2023 Car insurance rates by state: The most expensive and cheapest states for car ins... Full coverage auto insurance: What it costs to get covered A complete guide to car insurance for seniors A complete guide to adding a teenager to your car insurance policy What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? Buying and insuring a used car: Most and least expensive models to insure in 202... 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How non-owner insurance rates in Texas compare to rates in other states How to get non-owner car insurance in Texas Get instant quotes now ! Please enter valid zip Get quote