Non-Owner Car Insurance In Colorado 2024

Our research indicates that Kemper stands out as the most budget-friendly and reliable option for non-owner car insurance in Colorado.

We’ve saved shoppers an average of $600 per year on their car insurance.

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Updated: 18 July 2024
Written by Bob Phillips
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More and more Colorado people are choosing to share or rent cars instead of dealing with the costs of ownership. Non-owner car insurance provides a safety net in such cases, offering financial protection and reassurance.

With 15 years in the insurance industry and over 35 years buying car insurance, I have a deep understanding of the providers in Colorado and their respective advantages.

Cheapest Non-Owner Car Insurance In Colorado, 2024

Non-Owner Car Insurance, Colorado 2024

Compare Non-Owner Car Insurance In Colorado

Overall Rating Best Suited For A.M. Best Rating J.D. Power Rating Average Monthly Cost Get A Quote

Cheapest Overall




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Cheapest Non-Owner SR-22




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Cheapest With A Clean Driving Record




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Best Runner-up




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State Farm

Best Overall




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Cheapest Non Owner Car Insurance Companies In Colorado

Cheapest Overall

Overall Rating

Key Statistics

10/10 Affordability
7/10 Customer Reviews
8/10 Claim Payouts
10/10 Coverage Level

Why We Like Them

If you’re searching for the most affordable car insurance in Colorado but don’t actually own a car, Kemper is a standout option. They specialize in offering cheap auto insurance for drivers deemed high-risk and you can purchase their policies through independent agents across Colorado and other states.

Even though Kemper is well-known for its low prices among Colorado residents, it doesn’t score well in terms of customer satisfaction, according to the National Association of Insurance Commissioners. Nonetheless, many still choose Kemper, making it the 11th largest insurer in the nation.

For active-duty military personnel or National Guard members who don’t have their own vehicle, are deployed, or live on a military base where they frequently use someone else’s car, Kemper could be a good fit.

Colorado is infamous for its high cost of living, which includes car insurance. Factors like heavy traffic and a high number of uninsured or underinsured drivers have pushed up the costs of owning and insuring a car to levels that many struggle to afford.

As a result, more people are opting not to own a car or relying on rentals. Finding affordable non-owner car insurance is helping many Coloradans save money on insurance they no longer need.

Benefits & Drawbacks

  • Has the most affordable prices for insurance coverage for individuals who don't own a vehicle in Colorado.
  • If you need it, makes sure you get an SR-22.
  • A strong financial stability rating from AM Best
  • Numerous clients have voiced their discontent regarding the assistance given to those with insurance policies.
  • A smartphone app that has received poor ratings from users.

Rates For The Cheapest Non Owner Car Insurance In Colorado

Insurance company Monthly Rate
Kemper $22
State Farm $42
Farmers $66
Nationwide $82

Cheapest Non Owner SR-22

Overall Rating

Key Statistics

9/10 Affordability
7/10 Customer Reviews
9/10 Claim Payouts
8/10 Coverage Level

Why We Like Them

Farmers is well-known for its dependable non-owner car insurance, particularly for drivers requiring an SR-22 form. This form is necessary for individuals labeled “high-risk” by the state due to infractions such as DUIs, reckless driving, or driving without insurance.

What distinguishes Farmers is its specialized assistance tailored for high-risk drivers. They not only furnish SR-22 insurance but also aid drivers with suspended licenses in swiftly reinstating them. This focus on simplifying processes for high-risk drivers sets Farmers apart from other insurance providers.

Regarding pricing, Farmers offers SR-22 Insurance for just approximately 2% more than regular car insurance on average. This affordability, coupled with extensive coverage, positions Farmers as a wise option for Colorado drivers needing an SR-22.

Obtaining non-owner SR-22 insurance is a prudent decision for high-risk drivers who lack a vehicle but still require occasional driving. It offers liability coverage, shielding you financially in the event of an accident while operating a borrowed or rented car.

Moreover, it assists in maintaining continuous insurance coverage, showcasing financial responsibility, and averting potential lapses in your insurance record that might result in higher future premiums.

Benefits & Drawbacks

  • Concentrates on serving people identified as high-risk drivers.
  • Find the most affordable rates for SR-22 insurance if you don't have a vehicle.
  • A wide variety of insurance options available.
  • Some customers have had issues with the way their claims are being dealt with and settled.
  • Increased insurance costs for drivers considered at high risk.

Rates For The Cheapest Non-Owner SR-22 In Colorado

Insurance company Monthly Rate
Farmers $40
Nationwide $92
State Farm $42
Progressive $85
Travelers $94

Cheapest With A Clean Driving Record

Overall Rating

Key Statistics

9/10 Affordability
8/10 Customer Reviews
8/10 Claim Payouts
9/10 Coverage Level

Why We Like Them

Progressive stands out as a popular choice for people seeking non-owner car insurance in Colorado, particularly if you have a clean driving record. Their non-owner insurance offers important protection for liabilities, shielding you from costly expenses related to injuries or property damage in case of an accident. This is essential because Colorado law mandates financial responsibility for all vehicles using its roads.

You can acquire Progressive non-owner car insurance through independent agents, although Progressive manages the service directly. They boast strong financial ratings and a reliable history of settling claims.

Having a spotless driving record translates to lower rates for non-owner car insurance. Insurance providers view you as less of a risk, acknowledging your safe driving practices. Additionally, it aids insurers in reducing losses from claims, granting them a competitive edge. Therefore, maintaining a clean driving record can significantly reduce your premiums.

Benefits & Drawbacks

  • A variety of options for coverage
  • Best offers for drivers who prioritize safety
  • Lower prices for driving without accidents or violations.
  • A variety of opinions from customers regarding the quality of service.
  • Absence of rental car insurance
  • Not all states provide car insurance options for people who don't own the vehicle.

Cheapest Non-Owner Car Insurance Rates With A Clean Driving Record

Insurance company Monthly rate
Nationwide $50
State Farm $50
Progressive $32
Farmers $55

Best Overall Non Owner Car Insurance

Overall Rating

Key Statistics

9/10 Affordability
10/10 Customer Reviews
10/10 Claim Payouts
8/10 Coverage Level

Why We Like Them

State Farm stands out as a great option for non-owner car insurance in Colorado because it offers competitive prices, a wide range of coverage choices, and excellent customer service.

Even though it may not be the absolute cheapest, State Farm provides rates starting from $213 per year for non-owner liability coverage. This coverage protects you if you’re responsible for injury or property damage.

Furthermore, if you already have a personal auto policy with State Farm that includes comprehensive coverage, it can also cover your rental car, giving you extra peace of mind.

What sets State Farm apart is its commitment to customer service. They make it easy to reach them through their phone app or a dedicated contact number, ensuring that policyholders receive prompt assistance when needed.

While price is important, it’s essential not to overlook exceptional customer service. Insurance isn’t just about the cost; it’s about feeling secure and knowing that you’ll receive support when required. The ability of an insurance company to handle claims efficiently and offer guidance is crucial.

Benefits & Drawbacks

  • Extensive scope
  • Competitive pricing
  • Great customer satisfaction
  • Non-owner insurance policies typically don't provide full protection or collision coverage.
  • They only have a small amount of discounts available.
  • You can find cheaper alternatives.

Best Runner-Up

Overall Rating

Key Statistics

9/10 Affordability
8/10 Customer Reviews
8/10 Claim Payouts
9/10 Coverage Level

Why We Like Them

In Colorado, Travelers stands out as a leading choice for people who need non-owner car insurance. They’re known for creating personalized policies and providing excellent customer service.

Having a reliable insurance company is crucial, especially when you’re dealing with accidents or claims. Travelers excels in this area by offering quick and efficient assistance to help you through the process smoothly, showing their commitment to keeping customers satisfied.

Travelers offers a variety of coverage options for non-owners, including standard liability, collision, and uninsured/underinsured coverage, all at reasonable prices.

Non-owner car insurance typically focuses on liability protection, which covers damages you might cause to others. But you can enhance your coverage by adding comprehensive and collision protection, which safeguard you from theft, vandalism, natural disasters, and accidents with other vehicles or objects, regardless of fault.

Benefits & Drawbacks

  • Total security
  • Outstanding customer service
  • Competitive pricing
  • Quotes cannot be accessed on the internet at the moment.
  • Discounts with restrictions
  • Motorists deemed to present a greater risk will encounter elevated insurance premiums.

What Is Non-Owner Car Insurance

If you often drive cars that aren’t yours, whether they’re rentals or borrowed from friends or family, you might want to think about non-owner car insurance.

This type of insurance mostly covers liability, so if you’re in an accident while driving someone else’s car, your policy can pay for the other party’s medical bills and repairs.

Some insurers might also offer extras like protection against uninsured drivers or personal injury coverage. Just keep in mind that non-owner insurance typically doesn’t cover damage to the car you’re driving.

It’s a good choice for people who frequently borrow or rent cars, giving them an extra layer of protection. Plus, it could be cheaper than always buying insurance from the rental company.

And having this type of policy ensures you have continuous insurance coverage, which might lower your future premiums if you decide to get your own car later on.

Coverage Type Non-Owner Car Insurance Full Coverage Policy
Liability Coverage Covers bodily injury and property damage you cause to others. Covers bodily injury and property damage you cause to others.
Comprehensive Coverage Does not cover damages to the vehicle you’re driving from non-collision incidents like theft, fire, or vandalism. Covers damages to your vehicle from non-collision incidents like theft, fire, or vandalism.
Collision Coverage Does not cover damages to the vehicle you’re driving from a collision, regardless of fault. Covers damages to your vehicle from a collision, regardless of fault.
Uninsured/Underinsured Motorist Protection Optional. Some insurers offer this as an additional coverage. Can cover your losses if you’re involved in an accident with an uninsured or underinsured driver.
Personal Injury Protection (PIP) Optional. Some insurers offer this as an additional coverage. Can cover medical expenses for you and your passengers, regardless of who is at fault.
Rental Car Coverage Provides liability coverage when you rent a vehicle. Typically requires additional rental reimbursement coverage.

What Is SR-22 Insurance?

SR-22 isn’t your typical insurance policy; it’s more of a documentation of your vehicle liability coverage. Most state DMVs require it for high-risk insurance policies, serving as evidence that you’re meeting the minimum liability insurance requirements.

This paperwork, handled by your insurance provider, is vital for individuals facing license suspension due to traffic violations or serious offenses such as DUIs. Essentially, it confirms your financial responsibility by showing you’ve got the necessary auto liability insurance.

Usually, it’s mandated by the state or court, especially for high-risk drivers, and your insurer must keep the state informed if your coverage lapses.

Average Cost Of Non-Owner Car Insurance In Colorado

Non-owner car insurance can be complex, given the array of providers and pricing structures. It’s crucial to comprehend the financial impact of your decision.

To aid you, we’ve devised a comparison chart showcasing rates from five major providers.

Insurer Average Monthly Rate
State Farm $84
Nationwide $82
Progressive $82
Travelers $72

How Much Is Non-Owner Car Insurance In Colorado – By Age?

Non-owner car insurance in Colorado follows a pricing pattern akin to full coverage car insurance, where rates are highest for teenagers and decrease annually until age 55.

Provided are sample rates for various age groups.

Age Average Annual Rate
16 $1,252
17 $1,048
18 $838
19 $575
20 $526
21 $398
22 $375
23 $358
24 $345
25 $325
30 $310
35 $295
40 $290
45 $286
50 $280
55 $278
60 $280
65 $300
70 $314
75 $360

How Non-Owner Insurance Rates In Colorado Compare To Rates In Other States

It’s surprising that non-owner car insurance in Colorado costs an average of $290 per year, coming in lower than the national average of $353. Let’s take a look at the rates in the 12 most populated states:

State Average Annual Premium
North Carolina $937
Florida $770
New York $590
Michigan $585
Texas $419
Illinois $396
Georgia $384
National Average $353
Pennsylvania $348
California $323
Ohio $241

Average Cost Of Non Owner Car Insurance In Colorado Cities

Below are the typical fees for five small municipalities in Colorado.

City Sample Average Annual Rate
Cimarron $236
Montrose $237
Bedrock $238
Naturita $234
Nucla $235

How Much Is Non-Owner Car Insurance In Colorado’s 10 Biggest Cities?

Where you live matters in car insurance pricing. Big cities with busy roads often mean higher premiums for residents.

City Average Annual Rate
Pueblo $328
Westminster $328
Arvada $325
Greeley $286
Fort Collins $282
Aurora $368
Lakewood $347
Denver $344
Thornton $334
Colorado Springs $329

How To Get Non-Owner Car Insurance In Colorado

Easily secure non-owner car insurance in Colorado by adhering to these five steps.

Understand Your Needs

Before diving in, it’s essential to understand why non-owner car insurance is necessary. Do you find yourself renting cars often or frequently borrowing from friends or family? Do you require a non-owner SR-22 form for license reinstatement? Clearly defining your needs is key to finding the right fit.


Gather Your Personal Information

If you’re looking for a quote on non-owner car insurance, be prepared to give out basic info like your name, address, and driver’s license number. These details help the insurance company figure out how much to charge you based on your risk factors.


Compare Rates From Different Providers

Non-owner car insurance rates vary among insurance companies. It’s wise to check out quotes from different providers to secure the most cost-effective option.


Choose The Right Coverage

The majority of non-owner car insurance plans include liability coverage, which handles expenses in the event of an accident you’re responsible for. You might have the option to include more coverage like uninsured motorist protection or medical payments, so select a plan that suits your requirements.


Purchase Your Policy And Obtain Proof Of Insurance

After you decide on a policy, you can typically buy it online or via phone. Once you make the purchase, you’ll receive proof of insurance almost instantly, often through email. If required, your provider can also take care of filing an SR-22 for you.


Should You Get Non-Owner Car Insurance In Colorado?

Non-owner car insurance is for those without their own vehicle but who still drive sometimes. It gives liability coverage if you have an accident while driving a car you’ve rented or borrowed. Some people in Colorado should look into buying this insurance.

Frequent Renters And Borrowers

If you’re someone who frequently borrows or rents cars, non-owner car insurance is worth considering. Though rental companies offer insurance, it could get pricey if you’re a frequent renter.

Similarly, while the owner’s insurance might cover some accidents, having your own policy ensures you’re safeguarded without affecting the owner’s premium.

Public Transport Commuters With Occasional Driving Needs

Public transit and rideshares are the go-to for many Californians during their daily travels, saving their personal driving for special occasions. If you’re in this group, it’s likely because you reside in an urban spot with excellent public transportation or because you’re a fan of biking or walking.

Yet, there are times when driving is inevitable, and non-owner insurance steps in to provide the necessary financial safety net.

Individuals Trying To Maintain Continuous Coverage

When drivers don’t have continuous insurance coverage, insurance companies often consider them high-risk, resulting in higher premiums when they buy another car. If you’ve sold your car and won’t have one for a bit, a non-owner policy can help you maintain your continuous coverage and keep your insurance history intact.

This can be really handy when you do eventually get another car and need standard insurance.

What Does Non-Owner Car Insurance Cover?

If you don’t own a car but still want insurance, a non-owner policy is what you need. It focuses on liability coverage, meaning it pays for others’ injuries or property damage if you’re at fault in an accident.

However, it won’t cover any damage to the car you’re driving; the owner’s insurance handles that. Some plans might include extras like medical payments or personal injury protection, which cover your medical bills regardless of who’s to blame.

You can also add uninsured/underinsured motorist protection to safeguard against drivers with insufficient insurance. Just keep in mind that non-owner insurance doesn’t cover theft, vandalism, natural disasters, or collisions.

Our Methodology

Through an extensive analysis that considers customer service ratings, available products, pricing, and reviews from various online platforms and user feedback, I've constructed a comprehensive overview of non-owner car insurance providers.

This viewpoint is shaped by my decade and a half of professional involvement in the industry as a licensed agent in Colorado, along with numerous interactions with representatives from different companies and firsthand purchasing experiences.


Quotes Analyzed


Years Of Industry Experience


Brands Reviewed


Research Hours


Do you need car insurance if you don’t own a car in Colorado?

Car insurance is a must in Colorado, regardless of car ownership status. Non-owner car insurance kicks in for individuals who frequently use borrowed or rented vehicles, ensuring liability coverage for any driving-related mishaps.

Can I buy auto insurance for someone else’s car in Colorado?

Sure, you’re allowed to get auto insurance for another person’s car in Colorado. Yet, it’s not as easy as getting insurance for your own vehicle. Insurance companies usually prefer if there’s a clear link between the person buying the policy and the car, like being a co-owner or frequent driver.

Who offers the cheapest non owners car insurance in Colorado?

Our research indicates that Kemper has the lowest prices for non-owner auto insurance in Colorado.

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