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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 premium
Auto Club Enterprises (AAA)$174
USAA$187
State Farm$204
Mercury Insurance$340
Nationwide$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

AgeMaleFemale
16$1,225$1,196
17$971$942
18$909$881
19$751$734
20$689$680
21$584$546
22$543$512
23$499$478
24$478$464
25$464$452
30$424$433
35$409$424
40$408$418
45$409$417
50$405$409
55$396$405
60$388$395
65$410$406
70$442$425
75$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 city

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. 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 rates
Sierra Blanca$305
Fort Hancock$308
Alanreed$317
Alpine$317
Dell City$317
Marathon$317
Marfa$317
Presidio$317
Redford$317
Balmorhea$318
Big Bend National Park$318
Fort Stockton$318
McLean$318
Orla$318
Pecos$318
Saragosa$318
Terlingua$318
Toyah$318
Toyahvale$318
Valentine$318

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

Cities in TexasHighest non-owner car insurance rates
Alief$573
Edinburg$557
Pharr$557
Hidalgo$549
McAllen$548
South Houston$547
Alamo$542
Edcouch$541
Elsa$541
La Villa$540
Progreso$540
Hargill$536
Lopezville$536
Llano Grande$535
Donna$532
Penitas$531
Houston$528
Stafford$528
Fresno$525
Missouri 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 rates
Houston$528
Plano$468
Irving$467
Arlington$466
Dallas$465
Corpus Christi$465
San Antonio$461
Fort Worth$428
Austin$422
El 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 premium
California$323
Florida$671
Georgia$373
Illinois$286
Michigan$574
New York$578
North Carolina$989
Ohio$198
Pennsylvania$216
Texas$408
National Average$353

How to get non-owner car 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:

  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.

You’ll need to call your insurer for a non-owner insurance policy 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.

How much is car insurance in other states

Alaska$1,359/Year
Alabama$1,542/Year
Arkansas$1,597/Year
Arizona$1,617/Year
California$2,115/Year
Colorado$1,940/Year
Connecticut$1,750/Year
Delaware$2,137/Year
Florida$2,560/Year
Georgia$1,647/Year
Hawaii$1,306/Year
Iowa$1,321/Year
Idaho$1,121/Year
Illinois$1,578/Year
Indiana$1,256/Year
Kansas$1,594/Year
Kentucky$2,105/Year
Louisiana$2,546/Year
Massachusetts$1,538/Year
Maryland$1,640/Year
Maine$1,116/Year
Michigan$2,133/Year
Minnesota$1,493/Year
Missouri$2,104/Year
Mississippi$1,606/Year
Montana$1,692/Year
North Carolina$1,368/Year
North Dakota$1,419/Year
Nebraska$2,018/Year
New Hampshire$1,307/Year
New Jersey$1,901/Year
New Mexico$1,505/Year
Nevada$2,023/Year
New York$2,020/Year
Ohio$1,023/Year
Oklahoma$1,797/Year
Oregon$1,244/Year
Pennsylvania$1,445/Year
Rhode Island$1,845/Year
South Carolina$1,894/Year
South Dakota$1,581/Year
Tennessee$1,373/Year
Utah$1,469/Year
Virginia$1,321/Year
Vermont$1,158/Year
Washington$1,371/Year
Wisconsin$1,499/Year
West Virginia$1,610/Year
Wyoming$1,736/Year
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Leslie Kasperowicz
Managing 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.