Home Car insurance Non-owner car insurance Non-owner car insurance in Texas 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 Enterprises (AAA) and USAA offer lower rates. Written by: Leslie Kasperowicz Leslie Kasperowicz 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. and John McCormick John McCormick John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology. | 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. | Updated on September 28, 2023 Why you should 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 editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. Non-owner car insurance in Texas costs $408 annually, which is $55 more than the U.S. average, according to an Insure.com 2023 rate analysis. In Texas, non-owner policies are available from companies such as State Farm, Mercury Insurance and Nationwide. “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 Texas. Key Takeaways The average non-owner car insurance cost in Texas is $34 per month for a 40-year-old male with a good driving record. Car insurance rates vary by age. For instance, a 16-year-old male in Texas pays an average of $1,225 for non-owner car insurance, whereas a 25-year-old male pays $464 a year for the same coverage. Auto Club Enterprises (AAA) offers most affordable rates for non-owner car insurance in Texas at $174. How much does non-owner auto insurance cost in Texas? Non-owner insurance is usually cheaper than full coverage car insurance—insurers consider non-owner policyholders as less of a risk because they have minimal access to a car. On average in the United States, it costs drivers with clean driving records and good credit scores $1,682 a 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 any damages to property. In Texas, full coverage car insurance costs $1,794. Alternatively, non-owner auto insurance is $353 a year on average in the U.S. and $408 in Texas. But actual rates are based on your age and driving history and also where in Texas you live. Which insurer offers the cheapest non-owner insurance rates in Texas? Auto Club Enterprises (AAA) offers Texas’ least expensive non-owner insurance policy at $174 a year. At $878 a year, Geico 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 offered in Texas Cheapest non-owner insurance rates in Texas CompanyAverage annual premiumAuto Club Enterprises (AAA)$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 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. Texas non-owner insurance costs, on average, $1,211 a year for a 16-year-old, while it’s $413 for a 45-year-old driver. 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 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.Car insurance rates in Texas by cityAustinDallasFort WorthHoustonSan AntonioWhich 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. 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 Texas have the lowest and highest non-owner car insurance rates. The 20 Texas cities with the lowest non-owner car insurance rates Cities in TexasLowest 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 TexasHighest non-owner car insurance ratesAlief$573Edinburg$557Pharr$557Hidalgo$549McAllen$548South Houston$547Alamo$542Edcouch$541Elsa$541La Villa$540Progreso$540Hargill$536Lopezville$536Llano Grande$535Donna$532Penitas$531Houston$528Stafford$528Fresno$525Missouri City$523 How much is non-owner car insurance in Texas’ 10 biggest cities? The most populous cities in Texas have different non-owner insurance rates. The cost of non-owner insurance in Houston is the most expensive at $528. El Paso has the cheapest rates of the state’s most populous cities at $381. Non-owner auto rates in Texas’s 10 largest cities 10 largest cities in TexasNon-owner car ratesHouston$528Plano$468Irving$467Arlington$466Dallas$465Corpus Christi$465San Antonio$461Fort Worth$428Austin$422El Paso$381 How non-owner insurance rates in Texas compare to rates in other states Non-owner auto insurance rates also differ from state to state. The average non-owner insurance rate in Texas is $408 a year, which is more than the national average of $353. South Dakota is the least expensive at $170 annually, followed by Idaho at $190 a year and Iowa at $193 per year. Non-owner car insurance rates in the 10 most populous states StateAverage annual premiumCalifornia$323Florida$671Georgia$373Illinois$286Michigan$574New York$578North Carolina$989Ohio$198Pennsylvania$216Texas$408National Average$353 How to get non-ownercar insurance in Texas Your driver’s license number and a credit or debit card are all you’ll need to get a non-owner insurance policy. 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 Often, you’ll receive proof of insurance very quickly. For a non-owner insurance policy, you’ll need to call your insurer rather than go online for a quote. “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 insurers 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. Explore other insurance options in Texas Average car insurance cost in Texas Cheapest homeowners insurance in Texas Average renters insurance cost in Texas How much is car insurance in other statesAlaska$1,359/YearAlabama$1,542/YearArkansas$1,597/YearArizona$1,617/YearCalifornia$2,115/YearColorado$1,940/YearConnecticut$1,750/YearDelaware$2,137/YearFlorida$2,560/YearGeorgia$1,647/YearHawaii$1,306/YearIowa$1,321/YearIdaho$1,121/YearIllinois$1,578/YearIndiana$1,256/YearKansas$1,594/YearKentucky$2,105/YearLouisiana$2,546/YearMassachusetts$1,538/YearMaryland$1,640/YearMaine$1,116/YearMichigan$2,133/YearMinnesota$1,493/YearMissouri$2,104/YearMississippi$1,606/YearMontana$1,692/YearNorth Carolina$1,368/YearNorth Dakota$1,419/YearNebraska$2,018/YearNew Hampshire$1,307/YearNew Jersey$1,901/YearNew Mexico$1,505/YearNevada$2,023/YearNew York$2,020/YearOhio$1,023/YearOklahoma$1,797/YearOregon$1,244/YearPennsylvania$1,445/YearRhode Island$1,845/YearSouth Carolina$1,894/YearSouth Dakota$1,581/YearTennessee$1,373/YearUtah$1,469/YearVirginia$1,321/YearVermont$1,158/YearWashington$1,371/YearWisconsin$1,499/YearWest Virginia$1,610/YearWyoming$1,736/YearShow moreLeslie KasperowiczManaging Editor  . .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. 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