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

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Non-owner auto insurance in Wisconsin is $248 annually, which is $132 lower than the national average, according to a 2023 rate analysis by Insure.com.

Many companies offer these policies in Wisconsin, such as Erie Insurance, Geico and State Farm.

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 Wisconsin.

How much does non-owner car insurance cost in Wisconsin?

It’s usually less expensive to buy a non-owner insurance policy than regular car insurance because insurance companies consider non-owner policyholders less of a risk due to their limited access to a vehicle.

On average in the United States, it’s $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. This applies to drivers with clean driving records and good credit scores. In Wisconsin, the cost is $1,325.

On the other hand, non-owner auto insurance costs $248 a year in Wisconsin and $380 on average in the U.S.

But there are different variables when considering the rates, such as which insurer you buy from, your age and driving history and also where in Wisconsin you live.

Which insurer offers the cheapest non-owner insurance rates in Wisconsin?

Wisconsin’s least expensive non-owner insurance policy is offered by USAA at $91 a year.

At $442 a year, Kemper Insurance charges the highest rate for non-owner insurance in the state.

You should compare quotes from multiple insurers to find the best price. The cheapest non-owner policies available in Wisconsin are listed below.

Cheapest non-owner insurance rates in Wisconsin

Note that USAA only offers coverage to military members, veterans and their families.

How much is non-owner car insurance in Wisconsin 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 Wisconsin, a 45-year-old will pay $242 annually on average for a non-owner insurance policy compared to a 16-year-old driver who will pay $1,042 on average.

Average non-owner auto insurance rates in Wisconsin by age and gender

Which Wisconsin cities have the cheapest non-owner car insurance?

There’s a great deal of variation from city to city regarding rates. When insurance companies set rates, they consider the frequency of thefts, collisions and vandalism in an area.

Below are charts displaying the cities in Wisconsin that have the least and most expensive non-owner auto insurance rates.

The 20 Wisconsin cities with the lowest non-owner auto insurance rates

The 20 Wisconsin cities with the highest non-owner car insurance rates

How much is non-owner auto insurance in Wisconsin’s 10 biggest cities?

The biggest cities in Wisconsin can have significantly different non-owner insurance rates. The non-owner insurance cost in Milwaukee is the highest at $421, but Eau Claire has the least expensive rates among the largest cities in the state at $237.

Non-owner car rates in Wisconsin’s 10 largest cities

How non-owner insurance rates in Wisconsin compare to rates in other states

The rates for non-owner auto insurance will differ from state to state. The average non-owner insurance rate in Wisconsin is $248, which is lower than the national average of $380. South Dakota is the cheapest at $170 annually, followed by Idaho at $190 a year and Iowa at $193 per year.

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

How to get non-owner car insurance in Wisconsin

Getting a non-owner insurance policy is as simple as providing your driver’s license and a credit or debit card.

To purchase a policy, follow these steps:

1. Contact a car 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 some insurance companies with 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.