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

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Non-owner car insurance in Wisconsin costs $248 per year, which is $105 lower than the U.S. average, according to a 2023 rate analysis from Insure.com.

In Wisconsin, non-owner policies are available from companies such as Erie Insurance, Geico and State Farm.

“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 Wisconsin.

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

Non-owner insurance is usually less expensive than full coverage auto insurance—insurance companies consider non-owner policyholders as less risky because they have minimal access to a vehicle.

On average in the U.S., it costs drivers with clean driving records and good credit scores $1,682 annually 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 Wisconsin, full coverage car insurance costs $1,325.

On the other hand, non-owner car insurance costs $353 a year on average in the United States and $248 in Wisconsin.

But actual rates are based on your age and driving history and also where in Wisconsin you live.

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

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

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

Experts recommend comparing quotes from many different insurance companies so that you can find the best rate available. The cheapest non-owner insurance policies in the state 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 an important factor when it comes to pricing. Statistically, 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. In Wisconsin, a 45-year-old will pay an average of $242 annually for a non-owner insurance policy compared to a 16-year-old driver who will pay an average of $1,042.

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 when it comes to rates. Insurers set rates based on data points such as theft, collisions and vandalism in different U.S. cities.

Below are the cheapest and most expensive cities for non-owner car insurance in Wisconsin.

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

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

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

The most populous cities in Wisconsin have varying non-owner insurance rates. The cost of non-owner insurance in Milwaukee is the most expensive at $369; Fifield has the least expensive rates of the largest cities in the state at $203.

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

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

Non-owner car insurance rates also differ from state to state. The average non-owner insurance rate in Wisconsin is $248 a year, which is lower than the national average of $353. 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-ownercar 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 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 non-owner auto insurance policy, you’ll have to call an insurance company rather than go online for a quote.

“The most efficient way to go about finding the most affordable non-owner insurance is to work with an insurance broker, who is able to shop multiple insurance companies to find the best price,” says Lauren McKenzie, an insurance agent with A Plus Insurance.

Here are a few insurance companies 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.

Leslie Kasperowicz

Managing Editor

 

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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.