Travelers offers the cheapest non-owner car insurance in Michigan, charging around $177 annually. Auto-Owners is the best insurer, charging roughly $912 a year. But factors like age and driving record determine your cost.
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeeks Head of Insurance. He has been studying the insurance market for more than five years, doing his own research and making content that is specific to each type of buyer. He has been quoted in several insurance-related publications, including [CNBC](https://www. cnbc. com/2020/04/15/cant-keep-up-with-insurance-premiums-heres-what-to-do. html), [NBC News](https://www. nbcnews. com/business/autos/flooded-cars-are-problem-their-owners-future-car-buyers-n1278493) and [Mashable](https://mashable. com/article/tesla-insurance-rates). A bachelor’s degree from Boston College and a master’s degree in economics and international relations from Johns Hopkins University are what Fitzpatrick has to offer. He really wants to use his knowledge of insurance and economics to make financial topics clearer and help people feel good about the choices they make with their money.
Kathryn has always loved reading, but ever since she was a child, the common mistakes in books kept getting in the way. She promised to publish interesting, error-free content about healthcare, personal finance, SaaS, the arts, travel, and the latest news from around the world. In her 15 years as an editor and writer for a number of major publications and companies, she has worked in all of those areas and more. Kathryn has a Bachelor of Arts from the University of California, Irvine in Film and Media Studies with a theme in theory and a minor in Women’s Studies. She spent nearly a decade traveling the world, writing and editing along the way. While her passport is on hold, you can find her visiting museums to look at dinosaurs, watching the best science fiction movies over and over, or reading maps and getting excited about geography and off-the-beaten-path places to visit.
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeeks Head of Insurance. He has been studying the insurance market for more than five years, doing his own research and making content that is specific to each type of buyer. He has been quoted in several insurance-related publications, including [CNBC](https://www. cnbc. com/2020/04/15/cant-keep-up-with-insurance-premiums-heres-what-to-do. html), [NBC News](https://www. nbcnews. com/business/autos/flooded-cars-are-problem-their-owners-future-car-buyers-n1278493) and [Mashable](https://mashable. com/article/tesla-insurance-rates). A bachelor’s degree from Boston College and a master’s degree in economics and international relations from Johns Hopkins University are what Fitzpatrick has to offer. He really wants to use his knowledge of insurance and economics to make financial topics clearer and help people feel good about the choices they make with their money.
Kathryn has always loved reading, but ever since she was a child, the common mistakes in books kept getting in the way. She promised to publish interesting, error-free content about healthcare, personal finance, SaaS, the arts, travel, and the latest news from around the world. In her 15 years as an editor and writer for a number of major publications and companies, she has worked in all of those areas and more. Kathryn has a Bachelor of Arts from the University of California, Irvine in Film and Media Studies with a theme in theory and a minor in Women’s Studies. She spent nearly a decade traveling the world, writing and editing along the way. While her passport is on hold, you can find her visiting museums to look at dinosaurs, watching the best science fiction movies over and over, or reading maps and getting excited about geography and off-the-beaten-path places to visit.
Non-owner car insurance in Michigan is best for people who drive a lot but don’t own a car and want to be protected in case they are at fault in an accident. This policy will cover bodily injury to other drivers and their passengers and property damage. Drivers with severe violations like an OWI may also reinstate their license after getting a non-owner policy.
Travelers has the cheapest non-owner auto insurance in Michigan. They also have the cheapest non-owner SR-22 insurance. Auto-Owners provides the best non-owner car insurance in Michigan.
Why Trust MoneyGeek? MoneyGeek sourced Michigan data from Quadrant Information Services and examined customer satisfaction ratings from J. D. Power and complaints from the National Association of Insurance Commissioners (NAIC).
Purchasing auto insurance when you don’t own a car may seem unnecessary, but there are good reasons to consider a non owner policy in Michigan. This type of coverage provides liability protection if you drive vehicles owned by others and cause an accident. For those who frequently borrow cars or rent vehicles, having your own non owner insurance can provide vital protection.
In this comprehensive guide, we’ll explain everything you need to know about non owner car insurance in Michigan. We’ll cover who needs it, what it costs, the best companies, and how to save money. Read on for tips to make sure you have proper coverage when driving cars you don’t own.
Who Needs Non Owner Car Insurance in Michigan?
While owning your own policy isn’t mandatory, there are many scenarios where non owner auto insurance makes sense in Michigan:
-
You regularly borrow vehicles – If you frequently drive cars owned by friends or family members non owner insurance will protect you if an accident is your fault. The owner’s policy wouldn’t cover you.
-
You rent cars often – Rental car companies offer insurance but it’s often expensive. Having your own non owner policy can save money long-term.
-
You’re between cars – Lapses in auto coverage can lead to higher rates later. Maintaining a non owner policy prevents gaps.
-
License reinstatement – Those with suspended licenses due to offenses like DUIs may need to file an SR-22 and carry a non owner policy to drive again.
-
Part-time drivers – For those who only drive occasionally, a non owner policy may be cheaper than a regular auto policy.
As you can see, there are many good reasons to consider non owner coverage in Michigan, even if you don’t have a car. It provides protection that benefits both you and the vehicles’ owners.
What Does Non Owner Insurance Cover in Michigan?
Non owner car insurance is a pared down policy compared to standard auto insurance. Here’s what it typically covers:
-
Liability – Bodily injury and property damage to others if an accident is your fault. Required minimums are 20/40/10 in Michigan.
-
Uninsured motorist – Injuries to you from an at-fault uninsured driver. Optional but recommended.
-
No coverage for vehicles – No collision, comprehensive, or medical payments coverage. The car owner’s policy would provide these.
So in essence, non owner insurance in Michigan mainly covers damage and injuries you cause to others when driving a non-owned car. It does not pay for damages to the borrowed or rented vehicle itself.
How Much Does Non Owner Insurance Cost in Michigan?
Non owner car insurance costs much less than regular auto policies, since the coverage is limited. However, your personal factors still impact your premiums. Here are a few examples of average costs for sample drivers:
-
25-year old driver with a clean record – $112 per year
-
35-year old driver with a DUI – $1,644 per year
-
65-year old driver with speeding ticket – $876 per year
As you can see, factors like age and driving history make a big difference in non owner insurance rates, just like regular auto policies. On average though, costs range from $100 to $150 annually for clean-record drivers.
Finding the Best Non Owner Insurance in Michigan
While costs are important, you also want a reputable insurer when shopping for non owner car insurance in Michigan. Here are top companies we recommend:
-
Auto-Owners – Competitive rates and great customer service make them a top choice.
-
State Farm – National carrier with discounts for safe drivers and students.
-
Progressive – Rates start very low and they offer easy online quotes.
-
Travelers – Focuses on price competitiveness and offers plenty of discounts.
-
Allstate – Strong coverage options and lots of ways to save for safe drivers.
We’d suggest getting quotes from several of these insurers to find the best match for your situation. Look at both cost and company reputation when deciding.
How to Save Money on Non Owner Insurance in Michigan
Besides choosing the right insurer, there are other ways to lower your non owner insurance costs in Michigan:
-
Raise liability limits – Higher limits can actually lower rates in some cases. Discuss options with agents.
-
Check usage-based programs – Some insurers provide discounts for driving safely and minimizing mileage.
-
Ask about discounts – See if you quality for any discounts like multi-policy, paid-in-full, good student, etc.
-
Maintain a clean record – Avoid accidents, traffic violations, and other black marks to keep rates down.
-
Compare many quotes – Get quotes from at least 5-10 different insurers to find the best price.
Taking advantage of these money-saving tactics can potentially reduce your premiums by hundreds of dollars per year.
The Bottom Line
Maintaining continuous auto insurance, even if you don’t own a car, is smart financial protection in Michigan. Non owner car insurance fills coverage gaps for many drivers at an affordable cost. If you borrow vehicles frequently or need to file an SR-22, this type of policy likely makes sense.
We recommend reaching out to top insurers like Auto-Owners, State Farm and Progressive to get quotes. And remember to take advantage of discounts and safe driving programs to save even more money. With a little shopping around, you can find high quality, low cost non owner insurance in Michigan.
What Is Non-Owner Car Insurance?
When you’re driving a car that you don’t own and cause an accident, non-owner car insurance pays for injuries to other people and damage to their property. This policy does not cover damage to the car you are driving.
See the table below to understand how a full coverage policy and a non-owner policy differ in coverage.
| Policy Coverage | Full Coverage | Non-Owner |
|---|---|---|
|
Liability insurance |
||
|
Medical payments |
||
|
Personal injury protection |
||
|
Uninsured/underinsured motorist |
||
|
Rental car liability |
||
|
Collision |
||
|
Comprehensive |
Cheapest Non-Owner Car Insurance With a Clean Driving Record in Michigan
Based on our research, the two Michigan companies that offer the best non-owner insurance rates for drivers with good records are
- Travelers: $15 per month
- Auto-Owners: $76 per month
USAA, which is the second-cheapest company and costs an average of $27 a month, is a great choice for veterans and active-duty military members.
It costs more than the national average of $43 a month for non-owner car insurance in Michigan, where the cheapest rates are $46 a month on average.
| Travelers | Cheapest Annual Premium$177 | Cheapest Monthly Premium$15 |
| Auto-Owners Insurance Co | Cheapest Annual Premium$912 | Cheapest Monthly Premium$76 |
| GEICO | Cheapest Annual Premium$1,126 | Cheapest Monthly Premium$94 |
| Progressive | Cheapest Annual Premium$1,271 | Cheapest Monthly Premium$106 |
| Farmers | Cheapest Annual Premium$4,239 | Cheapest Monthly Premium$353 |
Ensure youre getting the best rate for your auto insurance. Compare quotes from the top insurance companies.Your ZIP
The minimum car insurance requirements in Michigan will apply to non-owner car insurance. Your auto policy must at least have the following limits:
- $20,000 bodily injury liability per person
- $40,000 bodily injury liability per accident
- $10,000 property damage liability per accident (outside of Michigan)
- $1 million property protection (for damage in Michigan)
You might want to buy higher liability limits for your non-owner policy because the minimum coverage limits are so low. Determine how much coverage you need before purchasing a policy.
What Is Non-Owner Car Insurance? : Car Insurance FAQs
FAQ
How much is non-owner car insurance in Michigan?
Can I insure a car I don’t own in Michigan?
What is a named non-owner policy in Michigan?
What is a non owned auto insurance?
How much does non-owner auto insurance cost?
Non-owner auto insurance rates also differ from state to state. Michigan’s average non-owner insurance rate is $574 a year, more than the $353 national average. At $170 per year, South Dakota is the cheapest, followed by Idaho at an average of $190 per year.
Should I get non-owner car insurance in Michigan?
Non-owner car insurance in Michigan may benefit you significantly depending on how often you drive. For instance, you should get a non-owner policy if you don’t own a car but frequently rent cars or borrow from others. You might also need this policy to get your license reinstated. Who Should Consider Non-Owner Car Insurance?
What is the best non-owner car insurance company in Michigan?
Auto-Owners is the best insurance company for non-owner car insurance in Michigan. It offers the second-cheapest policy for minimum liability limits, scores well for customer satisfaction and has an average amount of complaints. Discounts you may get include safe driving and paperless billing.
What is non-owner car insurance?
Non-owner car insurance is liability-only coverage for drivers who don’t own a car. If you’re driving a car that someone else owns and cause an accident, it will pay for injuries and damage to others and their property in excess of the coverage on the car being driven.