Cheapest And Best Non-Owner Car Insurance In Texas 2024
Our comprehensive research points to Kemper as the top choice for affordable and high-quality non-owner car insurance throughout Texas.
We’ve saved shoppers an average of $600 per year on their car insurance.
I know the challenge of managing car expenses alongside other financial priorities. For many Texans, the monthly duo of a car payment and insurance rivals the weight of their rent or mortgage.
To ease the financial burden, an increasing number of Texans are shifting away from traditional car ownership and instead opting for car-sharing or rentals when they need wheels. Non-owner car insurance serves as their financial safety net, offering coverage without the full commitment of owning a vehicle.
With 15 years of experience as a licensed insurance agent, a decade and a half of Texan residency, and over three decades of buying car insurance, I have an in-depth understanding of these insurance companies. While all of them are reliable, each stands out in its unique way when it comes to helping fellow Texans.
Best Non-Owner Car Insurance In Texas, 2024
Compare The Cheapest And Best Non Owner Car Insurance In Texas
Overall Rating | Best For | J.D Power Rating | A.M Best Rating | Get A Quote | |
---|---|---|---|---|---|
Kemper |
|
Cheapest Overall |
736 |
A- |
Instant Quote |
Progressive |
|
Cheapest With A Clean Driving Record |
809 |
A+ |
Instant Quote |
State Farm |
|
Overall |
826 |
A++ |
Instant Quote |
Farmers |
|
Cheapest Non Owner SR-22 |
810 |
A- |
Instant Quote |
Travelers |
|
Runner-Up |
Not Rated |
A++ |
Instant Quote |
Our Methodology
Drawing upon a comprehensive evaluation encompassing customer service, product choices, pricing, and feedback from various online sources, I've assembled an in-depth view of non-owner car insurance providers.
This perspective is backed by my extensive 15+ years of experience in the industry as a licensed agent, numerous interactions with insurance representatives, and insights gathered from personal insurance purchases in Texas.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
Best And Cheapest Non Owner Car Insurance In Texas 2024
Cheapest Overall
Key Statistics
Why We Like Them
⇅If your primary concern is your budget, Kemper stands out as the top choice for providing the most cost-effective non-owner car insurance in Texas. Renowned for serving high-risk drivers, Kemper’s policies are accessible throughout the state (and all 50 states) via independent agents.
Despite its popularity in Texas due to its budget-friendly rates, Kemper receives lower scores in customer satisfaction, according to the National Association of Insurance Commissioners. Interestingly, this doesn’t seem to affect its standing, as Kemper ranks as the 11th largest insurer in the United States.
For active-duty military members or National Guard personnel without a personal vehicle, especially those deployed or living on a military base and frequently using someone else’s vehicle, Kemper could be a reliable choice.
Texas is famous for its high cost of living, and that includes car insurance. Heavy traffic and many uninsured or underinsured drivers on the road have driven up the cost of car ownership and insurance to levels that are unaffordable for many.
Because of that, more and more people are choosing not to own a car or are instead using a rental vehicle. Finding non-owner car insurance that’s affordable is saving many Texans money on car insurance they no longer need.
Benefits & Drawbacks
⇅- Most affordable rates for non-owner insurance in Texas
- Ability to obtain an SR-22 if required
- Strong AM Best financial strength rating ✓
- Elevated number of customer complaints regarding policyholder service
- Subpar rating for the mobile app ✘
Cheapest Non Owner SR-22
Key Statistics
Why We Like Them
⇅Farmers has established itself as a trusted non-owner car insurance provider, particularly catering to drivers requiring an SR-22. This form is essential for individuals labeled as “high-risk” by the state due to violations like DUIs, reckless driving, or driving without insurance.
What sets Farmers apart is its specialized services tailored for high-risk drivers. They not only offer SR-22 insurance but also assist drivers with suspended licenses in quickly and easily reinstating them. This focus on providing a smooth, hassle-free experience for high-risk drivers distinguishes Farmers from many other insurance providers.
When it comes to cost, Farmers provides SR-22 insurance at an average increase of just 2% compared to regular car insurance. This affordability, coupled with comprehensive coverage, makes Farmers a cost-effective choice for Texas drivers in need of an SR-22.
Choosing non-owner SR-22 insurance is a prudent decision for high-risk drivers who don’t own a vehicle but still need to drive occasionally. It offers liability coverage, protecting you from the financial repercussions of causing an accident while driving a borrowed or rented car.
Furthermore, it enables you to maintain continuous insurance coverage, which demonstrates financial responsibility and avoids potential gaps in your insurance history that could lead to higher premiums in the future.
Benefits & Drawbacks
⇅- Specialization in high-risk drivers
- Most economical rates for non-owner SR-22 coverage
- Comprehensive coverage options ✓
- Reports of issues with claim handling and resolution from some policyholders
- Elevated rates for high-risk drivers ✘
Cheapest With A Clean Driving Record
Key Statistics
Why We Like Them
⇅Texas is famous for its high cost of living, and that includes car insurance. Heavy traffic and many uninsured or underinsured drivers on the road have driven up the cost of car ownership and insurance to levels that are unaffordable for many.
Because of that, more and more people are choosing not to own a car or are instead using rental vehicles. Finding affordable non-owner car insurance is saving many Texans money on car insurance they no longer need.
Drivers with clean, spotless driving records pay less for non-owner car insurance because they pose lower risks to insurance companies. Their safe driving habits make them appealing to insurers. This is a win-win situation: drivers enjoy reduced premiums, and insurance companies benefit from fewer financial losses due to claims. Maintaining a clean driving record is a significant means to lower your insurance expenses.
Benefits & Drawbacks
⇅- Wide array of coverage options
- Most competitive rates for good drivers
- Discounts for safe driving ✓
- Absence of rental car coverage
- Varied customer service reviews
- Non-owner car insurance not available in all states ✘
Best Overall
Key Statistics
Why We Like Them
⇅State Farm stands out as the premier choice for non-owner car insurance in Texas. This is mainly because of its competitive pricing, comprehensive coverage options, and exceptional customer service.
While it might not be the absolute cheapest, State Farm offers rates that are competitively priced, considering the excellent customer service you receive. Their rates come in at $213 per year for a non-owner liability policy, which is significantly lower than the Texas average of $323 annually.
State Farm’s non-owner car insurance provides liability protection, ensuring financial security if you’re held responsible for bodily injury or property damage. Furthermore, if your existing personal auto policy with State Farm includes comprehensive coverage, this coverage can extend to your rental car, providing an additional layer of protection.
State Farm’s commitment to customer service solidifies its top position in our ratings. They provide easy access through their dedicated contact number or phone app, ensuring that policyholders receive prompt assistance when needed.
Price is certainly a crucial factor in selecting a non-owner car insurance policy, but it’s equally important to recognize the significance of exceptional customer service. Insurance is more than just about cost; it’s about having peace of mind and the confidence that you’ll receive full support when you need it the most.
The ability of an insurance company to swiftly handle claims, respond to inquiries, and provide guidance is truly invaluable.
Benefits & Drawbacks
⇅- Pricing is competitive
- Coverage is extensive
- Customer satisfaction is high ✓
- Non-owner policies lack comprehensive or collision coverage
- Availability of discounts is limited
- Some lower-priced options are present ✘
Best Runner-Up
Key Statistics
Why We Like Them
⇅When it comes to non-owner car insurance in Texas, Travelers emerges as our leading choice right after the top spot. This distinction is primarily attributed to their tailored policies and exceptional customer service.
Travelers is renowned for its top-notch customer service, a critical factor when choosing an insurance provider. In the unfortunate event of an accident or a claim, having an insurer that provides prompt and efficient service, guiding you through the process, is essential. Travelers consistently demonstrates its commitment to customer satisfaction, making it a reliable option for non-owner car insurance.
Complementing their service excellence is their range of coverage options, which includes standard liability, collision, and uninsured/underinsured coverage, offering comprehensive non-owner insurance protection at a reasonable price.
Non-owner car insurance primarily offers liability protection, covering damages you may cause to others. However, including comprehensive and collision coverage can significantly enhance your protection, making it a wise choice for many drivers.
Comprehensive coverage safeguards against non-collision-related incidents such as theft, vandalism, or damage from natural disasters, ensuring you’re not left out-of-pocket should any of these events occur.
Meanwhile, collision coverage offers protection if you’re involved in an accident with another vehicle or object, regardless of who’s at fault.
Benefits & Drawbacks
⇅- Coverage is comprehensive
- Customer service is superior
- Pricing is competitive ✓
- Absence of online quotes
- Discounts are limited
- Rates are higher for high-risk drivers ✘
What Is Non Owner Car Insurance
If you frequently drive a car that isn’t yours, whether it’s a rental or borrowed from someone else, you may want to consider non-owner car insurance.
Non-owner car insurance primarily offers liability coverage. If you’re responsible for an accident while driving a car that isn’t yours, your non-owner policy can cover the medical and repair expenses of the other party involved.
Some insurance companies may also provide additional options, such as uninsured/underinsured motorist protection and personal injury protection.
However, it’s important to understand that non-owner insurance usually 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 individuals who frequently rent cars or borrow vehicles, non-owner car insurance can be beneficial. It provides an added layer of security on top of any coverage the vehicle’s owner might already have.
In many cases, it can be more economical than always opting for insurance from a rental company.
Additionally, having a non-owner policy helps maintain continuous insurance coverage, which could lead to lower premiums if you decide to buy 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?
SR-22 isn’t precisely an insurance policy; it’s a document that proves you have the required vehicle liability insurance. State Department of Motor Vehicles (DMV) offices commonly mandate it, particularly in high-risk insurance situations.
Your insurance provider files this form, which serves as evidence that you possess the minimum necessary liability coverage, as stipulated by your state’s regulations.
Typically, it’s necessary for individuals with suspended licenses due to severe traffic violations like DUIs or similar offenses.
The SR-22 form essentially functions as a certificate of financial responsibility, certifying that you have the required auto liability insurance coverage. Its primary purpose is to confirm that an individual maintains appropriate car insurance liability coverage.
It’s usually required by the state or through a court order, particularly for high-risk drivers, and the insurance company submits this form to the state. If the policy ever lapses, the insurer is obligated to notify the state, as required.
Average Cost Of Non Owner Car Insurance In Texas
Navigating the realm of non-owner car insurance can be complex due to the variety of providers and shifting rates. Making an informed choice involves understanding the cost factors.
To help you along the way, we’ve prepared a comparison chart detailing the average prices of non-owner car insurance from five well-known providers.
Insurer | Average Annual Rate |
Nationwide | $495 |
AAA | $178 |
Mercury Insurance | $324 |
USAA | $174 |
State Farm | $202 |
How Much Is Non-Owner Car Insurance In Texas By Age?
Similar to full coverage auto insurance, the cost of non-owner car insurance adheres to a specific pattern. It’s most expensive for teenage drivers and then gradually reduces each year until the age of 55.
Below, you’ll find rate examples for non-owner car insurance in Texas, spanning ten different age brackets.
Age | Average Annual Rate |
16 | $1,216 |
18 | $901 |
21 | $576 |
25 | $459 |
35 | $413 |
45 | $431 |
55 | $402 |
65 | $400 |
70 | $451 |
75 | $495 |
Average Cost Of Non Owner Car Insurance In Texas Cities
These are sample rates for five cities in Texas:
City | Average Annual Rate |
Balmorhea | $301 |
Hidalgo | $550 |
Marfa | $304 |
Stafford | $532 |
Valentine | $300 |
How Much Is Non-Owner Car Insurance In Texas’s 10 Biggest Cities?
The size of a city significantly impacts how insurance companies determine car insurance costs. In larger cities with heavy traffic, residents typically face higher car insurance rates.
City | Average Annual Rate |
Houston | $530 |
San Antonio | $432 |
Dallas | $461 |
Austin | $411 |
Fort Worth | $418 |
El Paso | $366 |
Arlington | $454 |
Corpus Christi | $481 |
Plano | $453 |
Irving | $459 |
How Non-Owner Insurance Rates In Texas Compare To Rates In Other States
Surprisingly, the average annual rate for non-owner car insurance in Texas stands at $419, which is higher than the national average of $353. Let’s take a look at the non-owner rates in the 12 most populated states:
State | Average Annual Premium |
North Carolina | $931 |
Florida | $776 |
New York | $597 |
Michigan | $583 |
Texas | $425 |
Illinois | $401 |
Georgia | $381 |
National Average | $358 |
Pennsylvania | $344 |
California | $327 |
Ohio | $248 |
Should You Get Non-Owner Car Insurance In Texas?
Non-owner car insurance is designed for individuals who don’t own a car but sometimes need to drive. It offers liability coverage in case you’re responsible for an accident while driving a borrowed or rented vehicle.
In Texas, there are certain groups of people who should consider the advantages of non-owner car insurance.
Frequent Renters And Borrowers
For those who frequently rent cars or borrow vehicles, non-owner car insurance is a practical choice. While rental companies offer insurance, it can become expensive with frequent rentals. Similarly, even if the owner’s insurance covers some accidents, having your policy ensures protection without affecting the owner’s premium.
Public Transport Commuters With Occasional Driving Needs
Many Texans heavily rely on public transportation or rideshares for their daily commutes, reducing the need for regular driving. If you belong to this group, perhaps living in an urban area with good public transportation or favoring biking or walking most of the time, there might still be situations when driving is unavoidable. Non-owner insurance provides the financial protection you need during such instances.
Individuals Trying To Maintain Continuous Coverage
Insurance companies often consider drivers without continuous coverage as high-risk, which can lead to higher premiums when you decide to purchase a car. If you’ve sold your vehicle and plan to be without one for a while, a non-owner policy helps maintain continuous coverage, preserving your insurance history. This strategy can be particularly beneficial when you eventually buy a car and require regular insurance.
What Does Non Owner Car Insurance Cover?
A non-owner car insurance policy primarily provides liability coverage, handling costs linked to bodily injury or property damage you may cause to others in an accident.
It’s vital to know that non-owner car insurance doesn’t cover damages to the vehicle you’re driving; that’s usually covered by the car owner’s insurance policy.
Alongside liability coverage, some non-owner car insurance policies offer optional features like medical payments or personal injury protection (PIP). These can cover your medical expenses post-accident, regardless of fault.
Another optional feature is uninsured/underinsured motorist protection, safeguarding you if you’re in an accident with a driver lacking sufficient or any insurance coverage.
However, it’s crucial to grasp that non-owner car insurance doesn’t include comprehensive or collision coverage. This means damages to the vehicle you’re driving due to theft, vandalism, natural disasters, or collision are typically not covered.
How To Get Non-Owner Car Insurance In Texas
To ensure a smooth and efficient process for obtaining non-owner car insurance in Texas, follow these five steps:
Define Your Needs
Before you begin, it’s vital to understand why you need non-owner car insurance. Do you frequently rent vehicles or borrow cars from friends or family? Are you in a situation where you require a non-owner SR-22 form for license reinstatement? Clearly defining your needs is essential for finding the best solution for your situation.
Collect Your Personal Information
To obtain a quote for non-owner car insurance, you’ll need to provide basic personal information, such as your name, address, and driver’s license number. This information allows insurers to assess your risk level and calculate your premium.
Compare Rates From Different Providers
Not all insurance companies offer the same rates for non-owner car insurance. It’s highly advisable to compare quotes from various providers to ensure you’re getting the best deal.
Select The Right Coverage
Most non-owner car insurance policies offer liability coverage, which covers costs if you cause an accident. Depending on your specific needs and the insurer, you may have the option to add coverages like uninsured motorist protection or medical payments. Choose a policy that aligns with your unique requirements.
Purchase Your Policy And Obtain Proof Of Insurance
After you’ve chosen a policy, you can typically make the purchase online or over the phone. Following your purchase, you’ll receive proof of insurance almost immediately, often via email. If necessary, your provider can also handle the filing of an SR-22 on your behalf.
FAQs
Do you need car insurance if you don’t own a car in Texas?
Absolutely, securing car insurance is essential, even if you don’t own a car in Texas. This is where non-owner car insurance comes into play. If you frequently find yourself behind the wheel of a borrowed or rented vehicle, this policy provides liability coverage for accidents you might be involved in while driving.
Can I buy auto insurance for someone else’s car in Texas?
Indeed, you can buy auto insurance for a car belonging to someone else in Texas. However, the process is a tad more complex compared to insuring your own vehicle. While it’s not mandatory for the car owner to be the policyholder, insurance companies typically favor individuals who have a clear “insurable interest” such as being a co-owner or regular driver of the vehicle. If you’re not the owner but often drive the car, a non-owner car insurance policy could be a more fitting choice.
Who offers the cheapest non owners car insurance in Texas?
Based on our research, Kemper stands out as the top choice for budget-friendly non-owner car insurance in Texas.