Cheapest And Best Non Owner Car Insurance In Massachusetts 2024

After diving deep into the details, Kemper emerges as the clear champion for cost-effective non-owner car insurance in Massachusetts.

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

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Updated: 20 May 2024
Written by Doug Schaffer
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For many Massachusetts residents, the combined cost of car payments and insurance premiums can rival their monthly housing expenses.

This financial conundrum has led an increasing number of Massachusetts residents to forgo car ownership and opt for car sharing or rentals for their transportation needs. Non-owner car insurance serves as a valuable safety net, offering both financial security and peace of mind.

With over 15 years of professional experience as a licensed insurance agent and more than 35 years of navigating the intricacies of car insurance purchases, I possess a profound understanding of all the insurance companies under scrutiny. While these insurers are all esteemed, each carries its unique strengths in serving the needs of Massachusetts residents.

Cheapest And Best Non-Owner Car Insurance In Massachusetts, 2024

Non-Owner Car Insurance, Massachusetts 2024

Compare Non Owner Car Insurance In Massachusetts

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

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Cheapest With A Clean Driving Record




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Cheapest Non Owner SR-22




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Our Methodology

Drawing from extensive research encompassing customer service ratings, product offerings, pricing, and a meticulous examination of online feedback and user experiences, I've created a comprehensive insight into non-owner car insurance providers. This perspective is grounded in my 15+ years of direct involvement in the insurance industry as a licensed agent. It's the result of numerous interactions with representatives from various companies and firsthand experiences in procuring insurance in Massachusetts.


Quotes Analyzed


Years Of Industry Experience


Brands Reviewed


Research Hours

Cheapest Non Owner Car Insurance Companies In Massachusetts

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

When it comes to affordability, Kemper takes the lead as the most cost-effective option for non-owner car insurance in Massachusetts. Renowned for accommodating high-risk drivers, Kemper’s policies are available statewide and across all 50 states through independent agents.

While Kemper is a preferred choice in Massachusetts for its budget-friendly rates, it does receive lower customer satisfaction ratings from the National Association of Insurance Commissioners. Nevertheless, Kemper stands as the 11th largest insurer in the United States, reflecting its widespread popularity.

For active-duty military members, National Guard personnel, or individuals without personal vehicles who are deployed or reside on military bases and frequently use someone else’s car, Kemper could be a valuable choice.

Massachusetts is known for its high cost of living, and this applies to car insurance as well. The combination of heavy traffic and a significant number of drivers with insufficient insurance coverage has led to soaring costs for both owning a car and insuring it, which many find financially challenging.

Consequently, more people in Massachusetts are choosing not to own a car and instead rely on renting vehicles when necessary. Finding affordable non-owner car insurance is becoming a cost-effective solution for residents who prefer not to own a car.

Benefits & Drawbacks

  • Cheapest rates for non owner insurance in Massachusetts
  • Can get an SR-22 if you need one
  • Strong AM Best financial strength rating
  • High number of customer complaints concerning policyholder service
  • Poorly rated mobile app

Cheapest Non-Owner Car Insurance Rates In Massachusetts

Insurance company Monthly Rate
Kemper $13
USAA $14
AAA $27
Farmers $24
Travelers $29

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 is a leading choice for non-owner car insurance in Massachusetts, particularly for individuals with a clean driving record. Their non-owner insurance offers essential liability coverage, protecting drivers from significant expenses related to injuries or property damage they might cause in an accident. This is crucial due to Massachusetts’s mandate for financial responsibility on all vehicles operating or parked on its roads.

You can secure Progressive non-owner car insurance through independent agents associated with their network. Progressive is recognized for its strong financial ratings and efficient claims processing, making it a trusted provider for this type of insurance.

Drivers with a clean record benefit from lower rates on non-owner car insurance. Their safe driving habits are rewarded with reduced costs, making it a win-win situation. Not only do they pay less, but this also helps insurance companies reduce their expenses and stay competitive. Maintaining a clean driving history can lead to significant premium savings.

Benefits & Drawbacks

  • Extensive coverage options
  • Best rates for good drivers
  • Discounts for safe driving
  • No rental car coverage
  • Mixed customer service reviews
  • Non owner car insurance is not available in all states

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

Insurance company Monthly rate
Progressive $39
Kemper $41
Travelers $46
Farmers $52

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 stands out as a dependable choice for non-owner car insurance, especially for those requiring an SR-22. This form is necessary for high-risk individuals with violations like DUIs, reckless driving, or driving without insurance.

Farmers excels by offering specialized support tailored to high-risk drivers. They not only provide SR-22 insurance but also guide drivers with suspended licenses through a quick and easy reinstatement process. This dedication to a hassle-free experience makes Farmers unique among insurers.

In terms of cost, Farmers offers SR-22 Insurance at just a slight 2% increase over regular car insurance. This cost-effectiveness, coupled with comprehensive coverage, positions Farmers as an affordable choice for Massachusetts drivers in need of an SR-22.

Opting for non-owner SR-22 insurance is a prudent decision for high-risk drivers who lack their own vehicle but occasionally need to drive. This insurance offers liability coverage, protecting you from the financial consequences of causing an accident while using a borrowed or rented car.

Furthermore, it ensures continuous insurance coverage, demonstrating your financial responsibility. This is crucial in avoiding potential breaks in your insurance history that could lead to higher premiums in the future.

Benefits & Drawbacks

  • Specializes in high-risk drivers
  • Lowest rates for non-owner SR-22 coverage
  • Comprehensive coverage options
  • Some policyholders have reported issues with claim handling and resolution
  • Higher rates for high-risk drivers

Rates For The Cheapest Non Owner SR-22 In Massachusetts

Insurance company Monthly Rate
Farmers $64
Travelers $66
State Farm $69
Progressive $74
Nationwide $78

Best Overall

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 the top pick for non-owner car insurance in Massachusetts, primarily due to its combination of competitive pricing, comprehensive coverage choices, and outstanding customer service.

While not the absolute cheapest, State Farm offers rates that are highly competitive. At just $213 annually for a non-owner liability policy, it significantly beats the average cost of non-owner auto insurance in Massachusetts, which typically amounts to $323 per year.

State Farm’s non-owner car insurance policy provides essential liability coverage, ensuring financial security if you’re found responsible for bodily injury or property damage. Moreover, if you already have a personal auto policy with State Farm that includes comprehensive coverage, this protection can extend to your rental car, offering an added layer of security.

State Farm’s dedication to customer service further solidifies its top rank. Accessible through a dedicated contact number or a user-friendly phone app, State Farm prioritizes swift assistance for policyholders, enhancing its position in our rankings.

Price is certainly a crucial factor when deciding on a non-owner car insurance policy, but the significance of exceptional customer service should not be underestimated. Insurance goes beyond the cost; it encompasses the peace of mind that comes from knowing you have reliable support when you need it.

The effectiveness of an insurance company in handling claims promptly, responding to inquiries, and providing guidance carries significant weight.

Benefits & Drawbacks

  • Competitive pricing
  • Extensive coverage
  • High customer satisfaction
  • Lack of comprehensive or collision coverage for non-owner policies
  • Limited discounts available
  • Some lower-priced options are available

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

Travelers takes the second spot in our rankings. Their custom-tailored policies and exceptional customer service set them apart.

Travelers is renowned for its outstanding customer service, a key factor when choosing an insurance provider. In the event of an accident or claim, having an insurer that delivers fast and efficient service and guides you through the process is essential. Travelers consistently demonstrates its commitment to customer satisfaction, making it a trustworthy option for non-owner car insurance.

Coupled with a wide range of coverage options, including standard liability, collision, and uninsured/underinsured coverage, Travelers offers comprehensive non-owner insurance protection at an affordable price.

Non-owner car insurance primarily provides liability protection, addressing the costs associated with injuries or property damage you might cause in an accident. While this is its fundamental role, considering the inclusion of additional comprehensive and collision coverage can significantly enhance your overall protection, making it a wise choice for many drivers.

Comprehensive coverage acts as a safety net against non-collision incidents such as theft, vandalism, or damage from natural disasters. With this coverage, you won’t face unexpected financial burdens if any of these events occur.

Conversely, collision coverage steps in to protect you in accidents involving other vehicles or objects, regardless of fault. It provides an extra layer of security for various unforeseen road scenarios, ensuring you remain financially protected.

Benefits & Drawbacks

  • Comprehensive coverage
  • Superior customer service
  • Competitive pricing
  • No online quotes
  • Limited discounts
  • Higher rates for high-risk drivers

What Is Non Owner Car Insurance

If you frequently find yourself behind the wheel of a car that doesn’t belong to you, whether it’s a rental or borrowed from a friend or family member, considering non-owner car insurance is a smart decision.

Non-owner car insurance is primarily designed to provide liability coverage. In the event that you cause an accident while driving a car that isn’t yours, your non-owner policy can take care of the medical and repair expenses for the other party involved.

Some insurance companies might offer additional options like uninsured/underinsured motorist protection and personal injury protection.

However, it’s important to understand that non-owner insurance generally doesn’t include comprehensive or collision coverage. This means the cost of any damage to the vehicle you’re driving may not be covered.

For those who frequently rent or borrow vehicles, non-owner car insurance adds an extra layer of security on top of any existing coverage the vehicle owner may have.

In many cases, it can be a more cost-effective choice than consistently relying on insurance from a rental company.

Moreover, holding a non-owner policy helps maintain continuous insurance coverage, potentially resulting in lower premiums if you decide to purchase a car in the future.

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?

In the realm of car insurance intricacies, the SR-22 isn’t your typical insurance policy. It’s more like a certificate related to vehicle liability coverage, often required by state Department of Motor Vehicles (DMV) for individuals in “high-risk” insurance situations.

Your insurance provider is responsible for submitting this document, confirming that you meet the minimum required liability insurance standards dictated by your state.

This document serves as tangible proof of your financial responsibility, signifying that you’ve secured the necessary auto liability insurance. Typically, the state or court mandates it, particularly for individuals considered high-risk due to reasons like traffic violations, DUIs, or other serious infractions.

The insurance company submits this document to the state, and should your policy ever lapse, they are legally obligated to inform the state of this occurrence.

Average Cost Of Non-Owner Car Insurance In Massachusetts

Navigating the realm of non-owner car insurance can be quite the task, given the numerous providers and shifting rates. Making a wise choice is pivotal, given the financial implications involved.

To make your journey easier, we’ve created a comparison chart that simplifies the average costs of non-owner car insurance from five prominent providers.

Insurer Average Monthly Rate
Travelers $68
State Farm $70
Progressive $73
Nationwide $76

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

Similar to the fluctuations in full coverage car insurance costs, non-owner car insurance rates display a parallel pattern. They tend to be highest for young drivers and gradually decrease until approximately age 55.

Take a look at sample non-owner car insurance rates for 10 different age groups in Massachusetts.

Age Average Annual Rate
16 $856
18 $757
21 $470
25 $400
35 $338
45 $331
55 $322
65 $332
70 $350
75 $385

Average Cost Of Non Owner Car Insurance In Massachusetts Cities

These are sample rates for five small cities in Massachusetts:

City Sample Average Annual Rate
Whately $323
Chesterfield $334
Harvard $327
Cummington $326
Deerfield $334

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

The size of a city plays a significant role in how insurers calculate car insurance rates. People living in larger cities with more traffic tend to face higher car insurance costs.

City Average Annual Rate
Brockton $871
Springfield $762
Lynn $733
Fall River $621
Worcester $614
New Bedford $611
Lowell $596
Boston $557
Quincy $549
Cambridge $501

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

Interestingly, Massachusetts’s yearly average of $323 for non-owner car insurance is lower than the national average of $353. Here’s a comparison of non-owner insurance 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
Ohio $241

Should You Get Non-Owner Car Insurance In Massachusetts?

Non-owner car insurance serves those who don’t own a vehicle but occasionally get behind the wheel. It primarily offers liability coverage, coming into play if you’re in an accident while driving a borrowed or rented car in Massachusetts.

This type of insurance can be beneficial for various groups in the state:

Frequent Renters And Borrowers:

If you often rent cars or borrow vehicles from friends and family, non-owner car insurance is a wise choice. While rental companies do provide insurance options, it can add up, particularly if you’re a regular renter. Opting for your own policy ensures you’re protected without impacting the vehicle owner’s premium.

Public Transport Commuters With Occasional Driving Needs:

Many Massachusetts residents rely on public transportation or rideshares for their daily commute. However, there are situations where you need to drive, even if it’s not your everyday choice. Non-owner insurance steps in to provide the necessary financial protection during these occasional driving instances.

Individuals Maintaining Continuous Coverage:

Insurance companies often view coverage gaps as a risk, which could lead to higher premiums when you decide to purchase a car. If you’ve sold your vehicle and anticipate being without one for some time, having a non-owner policy helps maintain uninterrupted coverage. This can be especially advantageous when you decide to buy a car and require regular auto insurance.

What Does Non Owner Car Insurance Cover?

A non-owner car insurance policy primarily focuses on liability coverage, which takes care of expenses related to injuries or damages caused to others in an accident that’s your fault.

One essential thing to bear in mind is that non-owner car insurance doesn’t cover damages to the vehicle you’re driving; the owner’s insurance should handle that.

Now, some non-owner car insurance policies might provide optional features such as medical payments or personal injury protection (PIP). These come in handy by covering your medical costs after an accident, regardless of who was responsible.

Additionally, you can opt for uninsured/underinsured motorist protection. It’s an optional feature designed to safeguard you in case you’re in an accident with a driver who lacks adequate or any insurance coverage.

It’s crucial to understand that non-owner car insurance usually excludes comprehensive and collision coverage. In simpler terms, it won’t cover damages to the vehicle you’re driving caused by theft, vandalism, natural disasters, or collisions.

How To Get Non-Owner Car Insurance In Massachusetts

Let's break down the steps for obtaining non-owner car insurance in Massachusetts efficiently.

Define Your Needs

First, it’s essential to understand why you need non-owner car insurance. Do you often borrow or rent vehicles? Are you working on reinstating your license with an SR-22 form? Clarifying your specific needs helps you choose the right policy.


Gather Personal Information

To get a non-owner car insurance quote, you’ll be asked for basic personal details: your name, address, and driver’s license number. These details assist insurance companies in assessing your risk and setting your premium.


Compare Rates

Different insurers offer varying rates for non-owner car insurance. It’s a smart move to collect and compare quotes from different providers to ensure you’re getting the best deal.


Select Your Coverage

Typically, non-owner car insurance provides liability coverage, covering costs if you’re responsible for an accident. Depending on your needs and the insurance company, you might find options like uninsured motorist protection or medical payments. Customize your policy to align with your specific requirements.


Buy Your Policy And Get Proof

Once you’ve made your decision, you can usually purchase your policy online or over the phone. After the purchase, you’ll receive proof of insurance swiftly, often through email. If necessary, your insurer can assist in filing an SR-22 on your behalf.



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

Of course, having car insurance remains vital, even if you don’t own a car in Massachusetts. That’s where non-owner car insurance comes into play. If you frequently find yourself driving a borrowed or rented vehicle, this policy ensures you’re covered for any accidents you might cause during your journey.

Who offers the cheapest non owners car insurance in Massachusetts?

According to our findings, Kemper emerges as the most cost-effective option for non-owner car insurance in Massachusetts.

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

Certainly, you’re allowed to buy car insurance for a car that doesn’t belong to you in Massachusetts. Nevertheless, it’s a bit more complex than just insuring a car that’s in your name. Typically, insurance providers prefer the person getting the coverage to have a real connection to the vehicle, such as co-ownership or regular driving. If you aren’t the owner but frequently drive the car, a non-owner car insurance policy could be a more suitable option.

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