Non-owner car insurance in Texas: Which company has the cheapest rates?

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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

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

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

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

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

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

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:

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

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.