Cheapest Non-Owner Car Insurance In Massachusetts 2024
My extensive research indicates that Kemper offers the most cost-effective and top-notch non-owner vehicle insurance in Massachusetts, averaging $311 per year.
We’ve saved shoppers an average of $600 per year on their car insurance.
Non-owner car insurance costs an average of $311 per year in Massachusetts. It’s a type of policy which provides coverage to people who often borrow or rent cars. Non-owners insurance policies provide the minimum coverage required by the state of Massachusetts.
With 15 years of experience as an insurance agent and more than 35 years of buying car insurance, I’m very familiar with the companies reviewed here. Each has its own merits, though all are reputable options for Massachusetts residents.
Cheapest And Best Non-Owner Car Insurance In 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 | |
|---|---|---|---|---|---|---|
| Kemper |
|
Cheapest Overall
|
$12
|
736
|
A-
|
Instant Quote |
| Progressive |
|
Cheapest With A Clean Driving Record
|
$37
|
809
|
A+
|
Instant Quote |
| State Farm |
|
Overall
|
$50
|
826
|
A++
|
Instant Quote |
| Farmers |
|
Cheapest Non Owner SR-22
|
$62
|
810
|
A-
|
Instant Quote |
| Travelers |
|
Runner-Up
|
$41
|
Not Rated
|
A++
|
Instant Quote |
Cheapest Non-Owner Car Insurance Companies In Massachusetts 2024
Cheapest Overall
Key Statistics
Why We Like Them
⇅When it comes to price, Kemper stands out as the cheapest non-owner car insurance provider in Massachusetts. Known for insuring high-risk drivers, Kemper offers policies statewide and across all 50 states through independent agents. While its rates are attractive, customer satisfaction is rated low by the National Association of Insurance Commissioners.
Still, Kemper remains the 11th largest insurance provider in the U.S. Military members and National Guard personnel may find Kemper appealing, especially if they don’t own a car or regularly use others’ vehicles.
With Massachusetts’ notoriously high cost of living, car insurance is also pricey. Traffic and the number of uninsured drivers have made car ownership costly for many. Because of this, more people are skipping car ownership in favor of rentals. Affordable non-owner car insurance helps many Massachusetts residents reduce their insurance costs.
Benefits & Drawbacks
⇅- Best deals on insurance for those without a vehicle in Massachusetts
- Need an SR-22? We can help you get one.
- Superior AM Best financial strength grade ✓
- A large volume of customer feedback has highlighted issues with policyholder service.
- App with low user ratings ✘
Cheapest With A Clean Driving Record
Key Statistics
Why We Like Them
⇅For drivers with a clean record, Progressive is a top choice for non-owner car insurance in Massachusetts. Their non-owner policies offer vital liability protection, covering drivers against expenses related to injury or property damage caused to others. This is key since Massachusetts requires financial responsibility for any vehicle used or parked on its roads.
Progressive’s non-owner insurance is available through independent agents and backed by the company’s strong financial stability and claims-handling ability. Those with a clean driving history benefit from lower rates due to reduced risk, which rewards safe driving and helps insurers minimize claim payouts. Maintaining a clean record can greatly lower premiums.
Benefits & Drawbacks
⇅- Comprehensive coverage alternatives
- Lowest prices for responsible drivers
- Benefits for drivers who prioritize safety ✓
- You won't receive rental car benefits.
- Contrasting customer service assessments
- Some states do not provide non-owner car insurance. ✘
Cheapest Non Owner SR-22
Key Statistics
Why We Like Them
⇅Farmers has built a strong reputation as a go-to provider of non-owner car insurance, especially for drivers required to carry an SR-22. This form is mandatory for those considered “high-risk” due to offenses such as DUIs, reckless driving, or operating a vehicle without insurance.
Farmers stands out by offering services tailored to the needs of high-risk drivers. They provide SR-22 insurance and assist in reinstating suspended licenses, offering a smooth and hassle-free experience. This specialized focus makes Farmers a top choice among insurers.
When it comes to affordability, Farmers’ SR-22 insurance is priced at only about 2% more than regular car insurance. This, coupled with their comprehensive coverage, makes Farmers a solid option for Massachusetts residents who require an SR-22.
Non-owner SR-22 insurance is a practical choice for high-risk drivers who don’t own a car but still drive occasionally. It provides liability protection, ensuring you’re covered if you’re in an accident while using a borrowed or rented vehicle.
It also maintains continuous insurance coverage, proving financial responsibility and helping you avoid costly gaps in your insurance history that could increase future premiums.
Benefits & Drawbacks
⇅- Expertise lies in serving drivers with increased risk factors.
- Get cheap SR-22 coverage if you don't own a car.
- Diverse insurance coverage ✓
- A number of policyholders have expressed difficulties with the way claims are being processed and resolved.
- More expensive rates assigned to drivers with riskier behaviors ✘
What Is Non-Owner Car Insurance?
If you frequently find yourself driving a vehicle that isn’t yours—like a rental car or one borrowed from friends or family—consider investing in non-owner car insurance.
This type of auto insurance mainly provides liability coverage. If you are responsible for an accident while driving a non-owned vehicle, your non-owner policy can cover the medical and repair expenses for the other party involved.
Some insurance companies may offer additional features, such as uninsured/underinsured motorist protection and personal injury protection.
However, it’s important to remember that non-owner insurance typically does not include comprehensive or collision coverage. Therefore, any damage to the vehicle you’re driving may not be covered.
For those who often rent cars or borrow from others, non-owner car insurance can be a smart choice. It provides an extra layer of protection beyond what the vehicle’s owner might have.
In many cases, it can be more cost-effective than relying on rental company insurance every time you need a vehicle.
Moreover, having a non-owner policy can help ensure you maintain continuous insurance coverage, which could lead to lower premiums if you decide to purchase a vehicle 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. |
Average Cost Of Non-Owner Car Insurance In Massachusetts
Navigating non-owner car insurance can be challenging, with countless providers and a range of rates to consider. Making an educated decision is vital to understanding the financial aspects of your choice.
To aid you in this journey, we have created a comparison chart that details the average costs of non-owner car insurance from five leading insurance providers.
| Insurer | Average Monthly Rate |
| Travelers | $68 |
| State Farm | $70 |
| Progressive | $73 |
| Nationwide | $76 |
| GEICO | $82 |
How Much Is Non-Owner Car Insurance In Massachusetts – By Age?
The pricing for non-owner car insurance mirrors that of full coverage car insurance, with teen drivers facing the highest rates, which decline each year until they turn 55.
The following are sample rates for non-owner car insurance in Massachusetts for ten distinct age categories.
| Age | Average Annual Rate |
| 16 | $1,360 |
| 18 | $1,155 |
| 21 | $592 |
| 25 | $490 |
| 35 | $460 |
| 45 | $445 |
| 55 | $422 |
| 65 | $432 |
| 70 | $457 |
| 75 | $500 |
Best Non-Owner Car Insurance In Massachusetts 2024
Best Overall
Key Statistics
Why We Like Them
⇅State Farm stands out as the best option for non-owner car insurance in Massachusetts, thanks to its competitive pricing, comprehensive coverage options, and stellar customer service.
While State Farm might not be the absolute cheapest, it’s still reasonably priced, with a non-owner liability policy costing $213 per year. This is well below the state average of $323, and the top-tier service more than justifies the cost.
Their coverage includes liability protection, keeping you financially secure if you’re at fault for causing injury or property damage. Moreover, if your current State Farm auto policy has comprehensive coverage, this can also extend to rental cars, providing additional peace of mind.
State Farm’s excellent customer service is another reason why it ranks so highly. With easy access to assistance through a dedicated phone line or mobile app, help is always just a call or tap away.
Price matters when choosing insurance, but so does the quality of service. Knowing your insurer is reliable and ready to help when needed offers invaluable peace of mind.
Benefits & Drawbacks
⇅- Competitive costs
- Wide-ranging security
- Outstanding client happiness ✓
- Policies without complete or crash insurance for non-owners.
- Hurry, discounts are scarce.
- Lower-cost options are on offer. ✘
Best Runner-Up
Key Statistics
Why We Like Them
⇅In the realm of non-owner car insurance in Massachusetts, Travelers stands out as the top runner-up due to their customized policies and impressive customer service.
Travelers is recognized for their exceptional customer service, a crucial factor when selecting an insurance provider. When accidents or claims arise, it’s vital to have an insurer that acts quickly and helps you through the process. Travelers consistently demonstrates their dedication to customer satisfaction, making them a trusted choice for non-owner car insurance.
Their broad array of coverage options—including standard liability, collision, and uninsured/underinsured coverage—means Travelers provides comprehensive non-owner insurance protection at reasonable prices.
Non-owner car insurance primarily focuses on liability coverage, which protects against damages you may cause to others. Adding comprehensive and collision coverage can greatly improve your overall protection, making it a smart choice for many drivers.
Comprehensive coverage offers protection against non-collision incidents like theft, vandalism, or damage from natural disasters, ensuring you aren’t left financially vulnerable.
Collision coverage provides protection if you’re involved in an accident with another vehicle or object, regardless of who is at fault.
Benefits & Drawbacks
⇅- Full range of coverage
- Outstanding customer assistance
- Competitive costs ✓
- Quotes not provided via the internet.
- Time-limited deals
- More expensive insurance costs for drivers at greater risk ✘
What Is SR-22 Insurance?
An SR-22 is technically not an insurance policy; it’s a document that states the vehicle liability insurance required by most state DMVs for “high-risk” insurance policies.
Filed by your insurance provider, this form proves that you have the minimum liability insurance coverage required by your state.
It’s often mandated for drivers whose licenses have been suspended due to traffic violations, DUIs, or other serious offenses.
The SR-22 functions as a certificate of financial responsibility, confirming that the driver has the necessary auto liability insurance. Its primary goal is to verify that an individual is maintaining the required level of liability coverage.
Typically, this document is required by the state or a court order, particularly for high-risk drivers. The insurance company submits the SR-22 to the state, and they are obligated to notify the state if the policy lapses.
Average Cost Of Non Owner Car Insurance In Massachusetts – By City
These figures represent example costs for five small Massachusetts cities.
| City | Sample Average Annual Rate |
| East Orleans | $333 |
| Gill | $335 |
| New Salem | $337 |
| Whately | $330 |
| Chesterfield | $332 |
How Much Is Non-Owner Car Insurance In Massachusetts’s 10 Biggest Cities?
The size of a city plays a crucial role in determining car insurance prices. Bigger cities with more traffic usually mean higher insurance rates.
| 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 |
What Does Non-Owner Car Insurance Cover?
A non-owner car insurance policy primarily covers liability, which includes expenses related to bodily injury or property damage you may cause during an accident. It’s important to keep in mind that this policy won’t cover damages to the car you’re driving; that falls under the owner’s insurance.
Additionally, many non-owner policies offer optional medical payments or personal injury protection (PIP) to assist with your medical expenses after an accident, no matter who is at fault.
Uninsured/underinsured motorist protection is another optional feature that can provide safety in case you’re involved in an accident with someone who doesn’t have enough insurance. However, it’s essential to realize that non-owner car insurance does not include comprehensive or collision coverage, meaning that any damage to the vehicle you’re driving due to theft, vandalism, or accidents generally isn’t covered.
Should You Get Non-Owner Car Insurance In Massachusetts?
Non-owner car insurance refers to an auto insurance policy tailored for those who do not have a vehicle but still drive now and then. It offers liability protection in case you cause an accident while driving a car that isn’t yours, whether rented or borrowed.
In Massachusetts, certain individuals should consider acquiring non-owner car insurance.
Frequent Renters And Borrowers
If you regularly rent cars or borrow vehicles from friends or family, you should think about getting non-owner car insurance. Rental companies do offer insurance, but it can get expensive if you rent often.
In addition, although the owner’s insurance may cover certain incidents, having your own policy secures your coverage without raising the owner’s premium.
Public Transport Commuters With Occasional Driving Needs
A significant number of Massachusetts residents utilize public transportation or rideshare services for their daily journeys and drive only on rare occasions. You might be one of them if you reside in a city with great public transit or if you typically choose biking or walking.
However, there will be instances where driving is necessary. In such cases, non-owner insurance can offer the financial protection you need.
Individuals Maintaining Continuous Coverage
Drivers without continuous coverage are often deemed high-risk by insurance companies, potentially resulting in elevated premiums when you choose to buy a car. If you’ve sold your vehicle and will be carless for a while, a non-owner policy can help you maintain your coverage, ensuring your insurance history remains intact. This strategy can be especially beneficial when you’re ready to purchase a vehicle again.
Minimum Insurance Requirement In Massachusetts
According to the Massachusetts Official Government website, the minimum auto insurance requirements are 20/40/5. The specific details are as follows:
- $20,000 bodily injury to others per person
- $40,000 bodily injury to others per accident
- $8,000 personal injury protection per person
- $8,000 personal injury protection per accident
- $20,000 bodily injury caused by an uninsured auto per person
- $40,000 bodily injury caused by an uninsured auto per accident
- $5,000 damage to someone else’s property per accident.
It’s important to note that Massachusetts is a no-fault state, which means that your insurance will pay for damages up to your policy limit, regardless of who is at fault for causing them.
How To Get Non-Owner Car Insurance In Massachusetts
Following these five steps will enable you to secure non-owner car insurance in Massachusetts with ease and efficiency.
Define Your Needs
Understanding the reasons behind your need for non-owner car insurance is vital before you start. Are you renting cars often, or do you borrow vehicles from friends or family?
Gather Personal Information
To receive a quote for non-owner car insurance, you are required to provide essential personal information, including your name, address, and driver’s license number. This information assists the insurer in assessing your risk profile and calculating your premium.
Compare Rates
Not every insurance provider offers the same rates for non-owner car insurance. It’s best to compare quotes from various auto insurance companies to make sure you get the best price.
Select Your Coverage
Most non-owner car insurance plans provide liability coverage to handle costs if you cause an accident. Depending on your circumstances and the insurer, you could add additional coverage options, like uninsured motorist protection or medical payments. Be sure to select a policy that suits your individual requirements.
Buy Your Policy And Get Proof
After picking a policy, you can usually complete the purchase online or by phone. Upon purchasing, you typically receive proof of insurance almost immediately, often delivered via email. If necessary, your provider can also submit an SR-22 on your behalf.
How Non-Owner Insurance Rates In Massachusetts Compare To Rates In Other States
Massachusetts’ average annual non-owner car insurance rate of $452 is above the national average of $353. Rates in the 12 most populated states:
| State | Average Annual Premium |
| North Carolina | $992 |
| Florida | $675 |
| New York | $590 |
| Michigan | $585 |
| Texas | $419 |
| Illinois | $292 |
| Georgia | $384 |
| National Average | $353 |
| Pennsylvania | $220 |
| California | $323 |
| Ohio | $200 |
Our Methodology
Based on a thorough examination of customer service, product options, pricing, and insights from multiple online review platforms, I've constructed a detailed assessment of non-owner car insurance providers. This perspective draws from over 15 years in the industry as a licensed agent, including firsthand experiences purchasing insurance in Massachusetts.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Do you need car insurance if you don’t own a car in Massachusetts?
Yes, you’ll need car insurance in Massachusetts even if the vehicle isn’t yours. Non-owner car insurance is the solution. It provides liability coverage for accidents you may cause while driving a borrowed or rented car.
Who offers the cheapest non owners car insurance in Massachusetts?
Based on our investigation, Kemper presents the most economical rates for non-owner vehicle insurance in Massachusetts.
Can I buy auto insurance for someone else’s car in Massachusetts?
Yes, it’s possible to purchase auto insurance for another person’s vehicle in Massachusetts. However, the procedure is more complicated than insuring a car you own. Although the vehicle’s owner doesn’t need to be the policyholder, insurance companies generally prefer that the person buying the insurance has a financial interest in the car, such as being a co-owner or regular driver.
If you frequently drive the car but don’t own it, a non-owner car insurance policy could be more suitable.
