Guide
How Much Non-Owner Car Insurance Costs
Typical non-owner policy premiums by driver profile, why it is cheaper than a standard policy, and what raises the price.
By Kevin Ryan · Editor
Published · Updated
Answer in brief
A non-owner policy typically costs $200–$600 a year for a driver with a clean record, and $500–$1,200 for a driver with a DUI or other serious violation who needs an SR-22. It is cheaper than a standard policy because there is no collision or comprehensive and because the insurer expects you to drive less and to be covered first by the car owner's policy. Record, age, state and limits set the price.
| Profile | Annual range |
|---|---|
| 35, clean record | $200–$450 |
| 24, clean record | $350–$700 |
| 40, one at-fault accident | $350–$650 |
| 35, DUI, SR-22 required | $500–$1,200 |
| Any age, 100/300/100 limits | Add 15–30% |
What moves it
- Driving record—the dominant factor, since there is no vehicle to rate.
- State—liability costs vary widely.
- Limits—higher limits cost more but far less than on a standard policy.
- Age—under 25 pays more.
- SR-22 filing—a small fee plus the record behind it.
Entries in this guide
Specific questions answered in more depth.
Questions & answers
How much is non-owner insurance per year?
Commonly $200–$600 for a clean record; $500–$1,200 with an SR-22.
Why is it cheaper than regular insurance?
No collision or comprehensive, lower expected mileage, and the owner's policy pays first.
Are higher limits expensive on a non-owner policy?
No—raising to 100/300/100 usually adds 15–30%, a small amount in dollars.
Terms used in this guide
- Premium
- The price of the policy, per six or twelve months.
- Non-owner (named non-owner) policy
- Liability coverage for a named driver who does not own a car; follows the driver, not a vehicle.
- SR-22
- A certificate of financial responsibility filed by your insurer with the state after certain violations; typically required for three years.
Sources and references
Legal figures on this page (minimum limits, filing periods, statutory benefits) are checked against the primary law or the state insurance regulator listed below. Links and figures last verified Nov 2026.
- Trends and Insights: Auto insurance rates (June 2024) — Insurance Information Institute (2024)Independent researchWhy premiums rose 2021–2024: crash frequency and severity, repair and labour inflation, vehicle technology, attorney involvement.
- 2019–2023 Auto Insurance Database: average premium supplement — National Association of Insurance Commissioners (2025)Statistical dataCountrywide average expenditure $1,281 in 2023 (+13.98%); combined average premium $1,438; state tables for liability, collision and comprehensive.
- Facts + Statistics: Auto insurance — Insurance Information Institute (2025)Statistical dataNAIC countrywide average auto expenditure: $1,127 (2022), $1,282 (2023); most expensive states in 2023 were Florida, Louisiana and New York.
- How much auto coverage do I need? — Insurance Information InstituteConsumer guidanceWhy state minimums are a floor; choosing liability limits that protect assets; when collision and comprehensive are worth keeping.
- What determines the price of an auto insurance policy? — Insurance Information InstituteConsumer guidanceRating factors: driving record, mileage, location, age, gender, vehicle, credit-based insurance score, coverage choices. Notes ZIP-code rating is prohibited in California and Michigan and gender rating is prohibited in seven states.
- What if I can't find auto coverage? — Insurance Information InstituteConsumer guidanceHow the non-standard market and state assigned-risk plans insure drivers the voluntary market declines.
- Is it legal to drive without insurance? — Insurance Information InstituteConsumer guidanceEvery state requires drivers to demonstrate financial responsibility; in most states insurance is the mandatory way to do so.
- What is covered by a basic auto insurance policy? — Insurance Information InstituteConsumer guidanceDefines bodily injury and property damage liability, MedPay, PIP, uninsured/underinsured motorist, collision, comprehensive and glass coverage.
Practical guidance on this page is original editorial work. Cited sources support factual statements and do not endorse this site. Dollar ranges described as typical or illustrative are editorial estimates, not figures from these sources.
Guide
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How to meet an SR-22 or FR-44 filing requirement without owning a car, what the filing does, how long it lasts, and what happens if the policy lapses.
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