Car Insurance Non-owner auto insurance in Wisconsin: Which company has the cheapest rates? Residents pay an average of $248 for non-owner car insurance, but USAA and Auto-Owners 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 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 CompanyAverage annual premiumUSAA$91Auto-Owners$94Erie Insurance$105Geico$108State Farm$133 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 AgeMaleFemale16$1,111$97317$900$80018$758$67719$559$49420$485$43521$386$34922$360$32923$336$31424$318$30225$280$27930$264$26035$256$25540$248$24745$242$24150$237$23555$230$22760$232$22865$251$23870$278$26375$308$285 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 Cities in WisconsinLowest non-owner car insurance ratesFifield$203Kennan$203Phillips$203Brantwood$205Catawba$205Hurley$205Montreal$205Park Falls$205Ashland$206Ogema$206Washburn$206Iron Belt$207La Pointe$207Mellen$207Prentice$207Saxon$207Bayfield$208Mason$208Mercer$208Cornucopia$209 The 20 Wisconsin cities with the highest non-owner car insurance rates Cities in WisconsinHighest non-owner car insurance ratesMilwaukee$421West Allis$374Wauwatosa$369St. Francis$363Whitefish Bay$360Greenfield$357Kenosha$352Cudahy$349Greendale$348Racine$348Pleasant Prairie$346Benet Lake$342Franklin$342Hales Corners$342Oak Creek$342South Milwaukee$341Woodworth$340Sturtevant$339Mount Pleasant$338Bristol$333 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 10 largest cities in WisconsinNon-owner car ratesMilwaukee$421Kenosha$352Racine$348Waukesha$295Madison$274Janesville$259Oshkosh$252Appleton$251Green Bay$248Eau Claire$237 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 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 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: Contact a car 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 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. 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 Wisconsin compare to rates in other states How to get non-owner car insurance in Wisconsin Get instant quotes now ! Please enter valid zip Get quote