Cheapest And Best Non-Owner Car Insurance In Maryland 2024

Our findings show that Kemper provides the most cost-effective and superior non-owner car insurance in Maryland.

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

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Written by Bob Phillips
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A growing number of residents are choosing to forego owning or leasing vehicles, opting instead to share or rent when necessary. Non-owner car insurance serves as a valuable resource, offering both financial security and peace of mind.

With 15 years as a licensed insurance agent and over 35 years of buying car insurance, I have comprehensive insight into Maryland’s insurance landscape and the strengths of its various providers.

Cheapest Non-Owner Car Insurance In Maryland, 2024

Non-Owner Car Insurance, Maryland 2024

Compare Non-Owner Car Insurance In Maryland

Overall Rating Best Suited For A.M. Best Rating J.D. Power Rating Average Monthly Cost Get A Quote
Kemper
4.7

Cheapest Overall

A-

736

$35

Instant Quote
Farmers
4.6

Cheapest Non-Owner SR-22

A-

810

$62

Instant Quote
State Farm
4.9

Best Overall

A++

826

$53

Instant Quote
Progressive
4.8

Cheapest With A Clean Driving Record

A+

809

$36

Instant Quote
Travelers
4.8

Best Runner-up

A++

NR

$44

Instant Quote
Scroll to see comparisons

Our Methodology

Through a detailed analysis encompassing customer service ratings, product varieties, pricing structures, and evaluations from various online review platforms and user insights, I've constructed a comprehensive picture of non-owner car insurance providers.

This viewpoint is shaped by my extensive involvement in the industry for more than 15 years as a licensed agent in Maryland, alongside numerous interactions with representatives from different companies and firsthand purchasing experiences.

115

Quotes Analyzed

15+

Years Of Industry Experience

39

Brands Reviewed

30+

Research Hours

Cheapest Non Owner Car Insurance Companies In Maryland


Cheapest Overall

Overall Rating
4.7

Key Statistics

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

Why We Like Them

In Maryland, if you’re looking for inexpensive car insurance but don’t have your own vehicle, Kemper is a good choice. They specialize in offering affordable auto insurance for drivers considered high-risk. You can purchase their policies through independent agents in Maryland and other states.

Although Kemper provides low-cost insurance, it doesn’t score well in terms of customer satisfaction, according to the National Association of Insurance Commissioners. Nevertheless, many still choose Kemper, making it the 11th largest insurer in the nation.

For active-duty military personnel, National Guard members, deployed individuals, or those living on a military base who frequently use someone else’s car, Kemper might be a good fit.

Maryland is known for its high cost of living, which includes expensive car insurance. Factors such as heavy traffic and a high number of uninsured or underinsured drivers contribute to the high costs of owning and insuring a vehicle, making it tough for many to afford.

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

Benefits & Drawbacks

Benefits
  • Provides the most affordable insurance prices for individuals in Maryland who don't own a vehicle.
  • If you need it, make sure to get an SR-22.
  • A top rating for financial stability from AM Best.
Drawbacks
  • Numerous clients have voiced their discontent regarding the assistance given to individuals with insurance.
  • A smartphone app that users have given low ratings to.

Rates For The Cheapest Non Owner Car Insurance In Maryland

Insurance company Monthly Rate
Nationwide $72
State Farm $64
Kemper $40
GEICO $45
Travelers $55

Cheapest Non Owner SR-22

Overall Rating
4.7

Key Statistics

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

Why We Like Them

Farmers is recognized for its dependable non-owner auto 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 uninsured.

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

Regarding pricing, Farmers provides SR-22 Insurance at just about a 2% higher rate than standard car insurance on average. This affordability, coupled with comprehensive coverage, positions Farmers as a sensible option for Maryland drivers in need of an SR-22.

Obtaining non-owner SR-22 insurance is a prudent decision for high-risk drivers who don’t own a vehicle but still need occasional driving privileges. It offers liability coverage, safeguarding you financially in case of an accident while driving a borrowed or rented vehicle.

Furthermore, it aids in maintaining continuous insurance coverage, showcasing financial responsibility, and avoiding potential lapses in your insurance history that could result in higher future premiums.

Benefits & Drawbacks

Benefits
  • Focuses on assisting individuals identified as high-risk drivers.
  • We provide the best prices for SR-22 insurance if you don't have a car.
  • A range of insurance choices are accessible for you to choose from.
Drawbacks
  • Several clients are experiencing difficulties with the way their claims are being handled and resolved.
  • Drivers deemed more likely to encounter accidents or file claims may face raised insurance premiums.

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

Insurance company Monthly Rate
Farmers $65
Nationwide $112
State Farm $92
Progressive $68
Travelers $75

Cheapest With A Clean Driving Record

Overall Rating
4.8

Key Statistics

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

Why We Like Them

If you’re in Maryland and need non-owner car insurance, Progressive is a great choice, especially if you’ve had a clean driving record. Their non-owner coverage ensures you’re protected in case of accidents, covering expenses for injuries or property damage. This is crucial because Maryland law mandates all vehicles on its roads to have some form of financial responsibility.

You can obtain Progressive’s non-owner car insurance through independent agents or directly from Progressive. They have a strong reputation for efficiently handling claims and have solid financial ratings.

Maintaining a spotless driving history qualifies you for lower premiums on non-owner car insurance. Insurance providers view you as less risky due to your safe driving habits. Additionally, it helps insurers avoid losses from claims, which helps keep their rates competitive. Therefore, keeping your driving record clean can significantly reduce your insurance costs.

Benefits & Drawbacks

Benefits
  • Many options exist for insurance coverage.
  • Best offers for motorists prioritizing safety as their top concern
  • Lower prices are offered to drivers who have a spotless driving history, free from any accidents or breaking traffic rules.
Drawbacks
  • Various customers hold different views about how good the service is.
  • Absence of insurance coverage for rental cars
  • Certain states may not provide options for car insurance to people who don't own a vehicle.

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

Insurance company Monthly rate
Nationwide $52
GEICO $34
State Farm $28
Progressive $25
Farmers $42

Best Overall Non Owner Car Insurance

Overall Rating
4.9

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 people in Maryland seeking non-owner car insurance because of its competitive rates, various coverage choices, and excellent customer service.

Although it might not be the absolute cheapest, State Farm starts its rates at $213 per year for non-owner liability coverage. This coverage protects you if you’re responsible for injury or property damage.

Additionally, 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 can get quick assistance when needed.

While price is important, exceptional customer service shouldn’t be overlooked. Insurance isn’t just about the cost; it’s about feeling secure and knowing you’ll receive help when necessary. An insurance company’s ability to efficiently handle claims and offer guidance is crucial.

Benefits & Drawbacks

Benefits
  • A broad variety
  • Competitive pricing
  • Incredible customer satisfaction
Drawbacks
  • Typically, insurance policies that aren't specifically for the vehicle owner may not provide full coverage for accidents or collisions.
  • They provide only a restricted quantity of discounts.
  • You can find cheaper alternatives.

Best Runner-Up

Overall Rating
4.8

Key Statistics

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

Why We Like Them

In Maryland, Travelers stands out as a popular option for people looking for non-owner car insurance. They’re well-known for tailoring plans to fit individual needs and delivering excellent customer service.

Having a reliable insurance company is important, especially in emergencies or when making claims. Travelers excels in this area by offering quick and effective assistance to help you navigate through any issues smoothly, showing their commitment to keeping customers satisfied.

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

Non-owner car insurance primarily focuses on protecting you from liability for damages you cause to others. However, you can enhance your coverage by adding comprehensive and collision protection, which protects you from theft, vandalism, natural disasters, and accidents involving other vehicles or objects, regardless of fault.

Benefits & Drawbacks

Benefits
  • Absolute security
  • Outstanding customer service
  • Competitive pricing
Drawbacks
  • Right now, you can't get quotes on the internet.
  • Discounts with limitations
  • Drivers who are seen as more likely to cause accidents will have to pay more for their car insurance.

What Is SR-22 Insurance?

In essence, SR-22 isn’t an insurance policy but rather a validation of your vehicle liability coverage. Most state DMVs demand it for high-risk insurance policies, acting as proof that you meet the minimum liability insurance criteria.

Your insurance company submits this paperwork, crucial for individuals facing license suspension over traffic infractions or serious offenses like DUIs. It essentially attests to your financial responsibility, confirming you’ve secured the required auto liability insurance.

Typically, it’s a state or court requirement, particularly for high-risk drivers, and your insurer is obliged to inform the state if your coverage lapses.

Average Cost Of Non Owner Car Insurance In Maryland Cities

Outlined are the average costs for services in five small Maryland towns.

City Sample Average Annual Rate
Spring Gap $230
Barton $232
Eckhart Mines $231
Cumberland $229
Lonaconing $230

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

Just like full coverage car insurance, non-owner car insurance in Maryland tends to be priciest for teenagers and becomes more affordable as you age, typically tapering off by age 55.

Below are sample rates across different age ranges.

Age Average Annual Rate
16 $876
17 $642
18 $552
19 $485
20 $444
21 $368
22 $348
23 $328
24 $319
25 $302
30 $292
35 $288
40 $289
45 $288
50 $284
55 $282
60 $284
65 $306
70 $310
75 $315

Average Cost Of Non-Owner Car Insurance In Maryland

Navigating non-owner car insurance options can be challenging due to the variety of providers and rate fluctuations. Understanding the financial consequences of your choice is key.

To help, we’ve compiled a comparison chart featuring rates from five leading providers.

Insurer Average Monthly Rate
GEICO $82
Travelers $80
Progressive $85
State Farm $74
Nationwide $72

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

The size of a city plays a role in car insurance costs. Bigger cities with more congestion typically mean steeper rates for drivers.

City Average Annual Rate
Ellicott City $300
Columbia $298
Germantown $296
Bethesda $280
Frederick $254
Baltimore $358
Silver Spring $328
Glen Burnie $311
Waldorf $306
Gaithersburg $300

What Is Non-Owner Car Insurance

Driving cars that aren’t yours, whether they’re rentals or borrowed from friends or family, can be made easier with non-owner car insurance. This type of insurance primarily covers liability, meaning if you cause an accident while driving someone else’s car, your policy can handle the other party’s medical and repair expenses.

Some insurers might also throw in extras like protection against uninsured drivers or coverage for personal injuries. Just remember, non-owner insurance typically doesn’t cover damage to the car you’re driving. It’s a smart choice for individuals who frequently borrow or rent cars, giving them added peace of mind.

Plus, it could save you money compared to always buying insurance from the rental company. And having this kind of policy ensures you maintain continuous insurance coverage, which might lead to lower premiums if you decide to buy a 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.

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

In an unexpected turn, Maryland boasts an average annual non-owner car insurance rate of $290, falling below the national average of $353.

Check out 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

What Does Non-Owner Car Insurance Cover?

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

However, it’s important to know that it won’t cover any damage to the car you’re driving; the owner’s insurance handles that. Some plans may offer additional features like medical payments or personal injury protection, which help with medical expenses regardless of fault.

You can also choose uninsured/underinsured motorist protection to protect against drivers with insufficient coverage. Just remember, non-owner insurance doesn’t cover theft, vandalism, natural disasters, or collisions.

How To Get Non-Owner Car Insurance In Maryland

Ensure a smooth and efficient process for acquiring non-owner car insurance in Maryland with these five steps.

Understand Your Needs

Understanding the purpose behind non-owner car insurance is crucial before commencing. Do you often rent vehicles or borrow cars from friends or family? Do you need a non-owner SR-22 form to reinstate your license? Clearly defining your needs will help in finding the most suitable option.

1

Gather Your Personal Information

Getting a non-owner car insurance quote requires sharing basic personal details including your name, address, and driver’s license number. These particulars aid the insurer in assessing your risk level and setting the insurance rate.

2

Compare Rates From Different Providers

Not all insurance firms charge the same for non-owner car insurance. It’s advisable to shop around and compare quotes to ensure you’re getting the best price.

3

Choose The Right Coverage

Most non-owner auto insurance policies offer liability coverage, reimbursing expenses in case of an accident you’re responsible for. Depending on your needs and the insurance provider, you could opt for additional protections like uninsured motorist coverage or medical payments. Choose a policy tailored to your requirements.

4

Purchase Your Policy And Obtain Proof Of Insurance

After you’ve made your choice on a policy, you can usually make the purchase online or over the phone. Shortly after buying, you’ll receive proof of insurance, often via email. If it’s needed, your provider can also handle filing an SR-22 for you.

5

Should You Get Non-Owner Car Insurance In Maryland ?

Non-owner car insurance is tailored for those who don’t own a car but may drive occasionally. It offers liability coverage in case you cause an accident while driving a borrowed or rented car. Some residents of Maryland should think about purchasing this insurance policy.

Frequent Renters And Borrowers

If you’re someone who often rents cars or borrows them from friends or family, considering non-owner car insurance is a good idea. Even though rental companies provide insurance choices, they can be pricey for frequent renters. Similarly, while the owner’s insurance might cover some accidents, having your own policy ensures you’re covered without affecting the owner’s premium.

Public Transport Commuters With Occasional Driving Needs

Public transport and rideshares are essential modes of travel for many Maryland residents in their day-to-day routines, with personal driving saved for rare occasions. This lifestyle choice often aligns with residing in urban areas boasting efficient public transit or favoring biking or walking.

Nevertheless, there are times when driving becomes inevitable. Non-owner insurance steps in to provide financial security during these instances.

Individuals Trying To Maintain Continuous Coverage

Insurance companies tend to classify drivers without consistent coverage as high-risk, which may result in higher premiums when they purchase a car. If you’ve sold your vehicle and anticipate being without one for some time, obtaining a non-owner policy can assist in maintaining continuous coverage and preserving your insurance record.

This approach can prove advantageous when you later buy a car and require standard insurance.

FAQs

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

Yes, you must have car insurance in Maryland , even without owning a car. Non-owner car insurance serves those who frequently drive borrowed or rented vehicles, offering liability coverage in case of accidents during driving.

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

Absolutely, it’s possible to purchase auto insurance for another person’s car in Maryland. Nevertheless, it’s not as straightforward as insuring your own vehicle. Insurance providers generally prefer to see a direct association between the policyholder and the car, such as co-ownership or frequent usage.

Who offers the cheapest non owners car insurance in Maryland?

From our research, it’s clear that Kemper offers the most budget-friendly non-owner car insurance rates in Maryland.

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