Non-Owner Car Insurance In Michigan 2024

After living in Michigan for 16 years, I can definitely relate to the challenges of car ownership and insurance in the state. Many Michigan residents now opt to share cars or rent them when public transit falls short.

Non-owner car insurance provides them with financial peace of mind. With 15 years of experience in the insurance business and over 35 years of car insurance buying experience, I’ve personally worked with several of the companies reviewed here. Though all are reliable, each has its own strengths for Michigan residents.

Rates For The Cheapest Non Owner Car Insurance In Michigan

Rates For The Cheapest Non-Owner SR-22 In Michigan

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

Average Cost Of Non Owner Car Insurance In Michigan Cities

These are the price examples for five small Michigan cities.

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

Insurers take into account the size of a city when calculating car insurance premiums. Larger cities with more traffic typically result in higher rates.

What Is SR-22 Insurance?

An SR-22 is technically a vehicle liability insurance document, not an insurance policy. Most state DMV offices require it for “high-risk” insurance policies.

This form is filed by your insurance provider and serves as proof that you carry the minimum required liability insurance coverage for your state.

Drivers often need this after having their licenses suspended due to traffic violations, DUIs, or other serious offenses.

The SR-22 acts as a certificate of financial responsibility, indicating that the driver has the necessary amount of auto liability insurance coverage. Its primary purpose is to confirm that an individual maintains the required liability coverage.

Typically, this document is required by state law or through court orders, especially for high-risk drivers. The insurance company submits this form to the state, and if at any point the policy lapses, they must notify the state.

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

Just as with full coverage car insurance, the cost of non-owner car insurance is highest for teen drivers, slowly decreasing every year until they reach 55.

Here are sample rates for non-owner car insurance in Michigan for ten distinct ages.

What Is Non-Owner Car Insurance

If you frequently find yourself behind the wheel of a vehicle that doesn’t belong to you—like a rental or a car borrowed from a friend or family member—you may want to consider non-owner car insurance.

This type of insurance primarily provides 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 for the other party involved.

Some insurers may also offer additional options, including 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 that 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.

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

Michigan’s average non-owner car insurance rate of $578 annually is surprisingly higher than the national average of $353. Rates in the 12 most populated states:

What Does Non-Owner Car Insurance Cover?

Non-owner car insurance mainly provides liability insurance, which covers costs for bodily injury or property damage you may cause to others during an accident. It’s crucial to note that it doesn’t cover damage to the vehicle you’re driving; that responsibility lies with the car owner’s insurance.

Some policies may also include optional medical payments or personal injury protection (PIP), which can help cover your medical bills after an accident, regardless of fault. Uninsured/underinsured motorist protection is another optional feature that protects you if you’re in an accident with someone who doesn’t have sufficient insurance.

However, it’s vital to understand that non-owner car insurance does not include comprehensive or collision coverage, meaning that damages to the vehicle you’re driving from theft, vandalism, or accidents typically won’t be covered.

Average Cost Of Non-Owner Car Insurance In Michigan

The field of non-owner car insurance can feel overwhelming due to the various providers and their changing rates. Making an informed decision is crucial to understanding the cost factors at play.

To help you navigate this, we’ve created a comparison chart that details the average costs of non-owner car insurance from five top providers.

Should You Get Non-Owner Car Insurance In Michigan?

Non-owner car insurance is designed for individuals who do not possess a car but drive occasionally. It offers liability coverage in case you are involved in an accident while operating a rented or borrowed vehicle.

In Michigan, several categories of people should consider securing non-owner car insurance.

Frequent Renters And Borrowers

If you frequently find yourself renting cars or borrowing from friends and family, non-owner car insurance is a smart choice. Although rental companies offer insurance options, they can be quite costly if you rent regularly.

Similarly, while the owner’s insurance may cover certain accidents, having your own policy guarantees your protection without affecting their premium rates.

Public Transport Commuters With Occasional Driving Needs

Many Michigan residents depend on public transport or rideshare options for their daily travel and drive only occasionally. You may belong to this demographic if you live in a city with good public transportation or if you typically choose to bike or walk.

However, there may be instances when driving is necessary. In such cases, non-owner insurance offers the financial protection you require.

Individuals Trying To Maintain Continuous Coverage

Many insurance providers consider drivers who lack continuous coverage to be high-risk, resulting in higher premiums when you choose to buy a car. If you’ve sold your vehicle and will be without one for a while, a non-owner policy helps maintain your coverage, keeping your insurance history intact. This can be especially helpful when you’re ready to purchase a new vehicle.