Cheapest And Best Non-Owner Car Insurance In New Jersey 2024
Our research reveals that Kemper is the best choice for affordable and high-quality non-owner car insurance in New Jersey.
We’ve saved shoppers an average of $600 per year on their car insurance.
Many residents are opting out of traditional ownership models, choosing instead to share or rent vehicles. Non-owner car insurance provides a solution by offering both financial protection and peace of mind.
Drawing from 15 years of experience as an insurance agent and over 35 years of purchasing car insurance, I possess extensive knowledge of New Jersey’s insurance industry and the unique offerings of different providers.
Cheapest Non-Owner Car Insurance In New Jersey, 2024
Compare Non-Owner Car Insurance In New Jersey
| Overall Rating | Best Suited For | A.M. Best Rating | J.D. Power Rating | Average Monthly Cost | Get A Quote | |
|---|---|---|---|---|---|---|
| Kemper |
|
Cheapest Overall |
A- |
736 |
$35 |
Instant Quote |
| State Farm |
|
Best Overall |
A++ |
826 |
$53 |
Instant Quote |
| Farmers |
|
Cheapest Non-Owner SR-22 |
A- |
810 |
$62 |
Instant Quote |
| Progressive |
|
Cheapest With A Clean Driving Record |
A+ |
809 |
$36 |
Instant Quote |
| Travelers |
|
Best Runner-up |
A++ |
NR |
$44 |
Instant Quote |
Our Methodology
Drawing from a thorough examination that considers customer service ratings, product offerings, pricing structures, and assessments from various online review platforms and user feedback, I've developed an extensive understanding of non-owner car insurance providers.
This perspective is informed by my extensive involvement of over 15 years as a licensed agent in New Jersey, along with numerous interactions with representatives from different companies and firsthand purchasing experiences.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
Cheapest Non-Owner Car Insurance Companies In New Jersey
Cheapest Overall
Key Statistics
Why We Like Them
⇅If you’re in New Jersey and need cheap car insurance even if you don’t own a car, Kemper might be a good option. They specialize in providing affordable auto insurance for drivers considered high-risk. You can get their policies from independent agents not just in New Jersey but in other states too.
Although Kemper aims for affordability, it doesn’t receive high marks for customer satisfaction, as per the National Association of Insurance Commissioners. Nevertheless, it’s still a popular choice and ranks as the 11th largest insurer in the US.
For active-duty military personnel, National Guard members, deployed individuals, or those living on military bases who often borrow someone else’s car, Kemper could work well.
Car insurance in New Jersey is pricey due to factors like heavy traffic and a high number of uninsured or underinsured drivers. This makes owning and insuring a vehicle challenging for many. As a result, more people are choosing not to own cars or are relying on rentals. Affordable non-owner car insurance is becoming a popular money-saving solution for many in New Jersey who don’t need traditional car insurance anymore.
Benefits & Drawbacks
⇅- Offers the best rates on insurance for people in New Jersey who don't own a car.
- If necessary, be sure to obtain an SR-22 form.
- AM Best gives a high rating for financial stability. ✓
- Numerous clients have voiced discontent regarding the assistance offered to individuals with insurance.
- A mobile application receiving poor ratings from its users. ✘
Rates For The Cheapest Non Owner Car Insurance In New Jersey
| Insurance company | Monthly Rate |
| Progressive | $72 |
| State Farm | $120 |
| Kemper | $40 |
| GEICO | $42 |
| Travelers | $62 |
Cheapest Non Owner SR-22
Key Statistics
Why We Like Them
⇅Farmers stands out for its reliable non-owner car insurance, especially for drivers who need an SR-22 form. This form is required for individuals deemed “high-risk” by the state due to offenses such as DUIs, reckless driving, or driving without insurance.
What makes Farmers unique is its customized support for high-risk drivers. They not only offer SR-22 insurance but also assist drivers with suspended licenses in getting them reinstated promptly. This focus on simplifying things for high-risk drivers sets Farmers apart from other insurance companies.
In terms of cost, Farmers offers SR-22 insurance at just a 2% higher rate than regular car insurance on average. This affordability, combined with comprehensive coverage, makes Farmers a practical choice for New Jersey drivers who need an SR-22.
Getting non-owner SR-22 insurance is a smart move for high-risk drivers without their own vehicle but still needing to drive occasionally. It provides liability coverage, protecting you financially in the event of an accident while driving a borrowed or rented vehicle.
Additionally, it helps maintain continuous insurance coverage, demonstrating financial responsibility, and avoiding potential gaps in your insurance history that could lead to higher premiums later on.
Benefits & Drawbacks
⇅- Concentrates on helping people labeled as high-risk drivers.
- We offer competitive rates on SR-22 insurance specifically designed for individuals without their own vehicles.
- You have several options for insurance to choose from. ✓
- Several customers are facing problems with how their insurance claims are being managed and resolved.
- Auto insurance premiums might go up for drivers considered to have a higher risk of accidents or making claims. ✘
Rates For The Cheapest Non-Owner SR-22 In New Jersey
| Insurance company | Monthly Rate |
| Progressive | $109 |
| GEICO | $54 |
| State Farm | $154 |
| Farmers | $50 |
| Travelers | $100 |
Cheapest With A Clean Driving Record
Key Statistics
Why We Like Them
⇅If you’re in New Jersey without a car but need insurance, Progressive is a good option, especially if you’re a safe driver. Their non-owner car insurance covers accidents such as injuries and property damage, which is important because New Jersey requires all vehicles on its roads to have financial responsibility.
You can purchase Progressive’s non-owner car insurance through independent agents or directly from them. They’re known for processing claims quickly and have strong financial ratings.
Having a good driving history makes you eligible for lower premiums on non-owner car insurance. Insurance companies see you as less risky because of your safe driving habits. This also helps insurers avoid losses from claims, which keeps their rates competitive. So, maintaining a clean driving record can significantly lower your insurance costs.
Benefits & Drawbacks
⇅- There are numerous choices available for obtaining insurance.
- Incredible deals offered for drivers who make safety a top priority.
- Motorists who maintain a clean driving record, without any accidents or violations of traffic laws, may qualify for reduced insurance rates. ✓
- Different customers have varying opinions about the quality of the service.
- Lack of insurance protection for rented vehicles
- Certain states may not provide options for car insurance to people who do not own a vehicle. ✘
Cheapest Non-Owner Car Insurance Rates With A Clean Driving Record
| Insurance company | Monthly rate |
| Travelers | $62 |
| GEICO | $47 |
| State Farm | $124 |
| Progressive | $45 |
| Foremost | $145 |
Best Overall Non Owner Car Insurance
Key Statistics
Why We Like Them
⇅State Farm stands out as a popular choice for New Jersey residents seeking non-owner car insurance. They provide competitive rates, various coverage options, and excellent support.
While State Farm may not offer the cheapest rates, their prices begin at $213 annually for non-owner liability coverage. This coverage safeguards you in case you cause injury or property damage.
Moreover, if you already hold a personal auto policy with State Farm that includes comprehensive coverage, it can extend to cover your rental car, offering you extra assurance.
State Farm distinguishes itself with its commitment to customer service. They ensure easy accessibility through their phone app or a dedicated contact number, enabling policyholders to receive prompt assistance when needed.
While pricing is important, reliable customer service is equally vital. Insurance is about feeling protected and having confidence that you’ll receive support when required. Thus, an insurance company’s efficiency in handling claims and offering guidance holds significant importance.
Benefits & Drawbacks
⇅- A broad variety
- Competitive pricing
- Incredible customer satisfaction ✓
- Typically, insurance policies that aren't customized for the vehicle owner might not provide full coverage for accidents or collisions.
- They provide only a restricted amount of discounts.
- You can find cheaper alternatives. ✘
Best Runner-Up
Key Statistics
Why We Like Them
⇅In New Jersey, Travelers stands out as a popular choice for people in need of non-owner car insurance. They’re well-known for tailoring their plans to fit each person’s specific needs and for delivering excellent customer service.
Having a reliable insurance company is essential, especially during emergencies or when making claims. Travelers excels in this area by offering quick and effective assistance, showing their commitment to ensuring customers are satisfied.
Travelers offers various coverage options for non-owners, including basic liability, collision, and uninsured/underinsured coverage, all at reasonable prices.
Non-owner car insurance primarily protects you from being held responsible for damages you cause to others. However, you can enhance your coverage by adding comprehensive and collision coverage, which protects against theft, vandalism, natural disasters, and accidents involving other vehicles or objects, regardless of fault.
Benefits & Drawbacks
⇅- Total security
- Top-notch customer service
- Competitive pricing ✓
- Right now, you can't get price estimates online.
- Special deals with limitations
- Auto insurance premiums might go up for drivers considered more likely to get into accidents. ✘
How Much Is Non-Owner Car Insurance In New Jersey’s 10 Biggest Cities?
Insurers take into account the size of cities when calculating car insurance premiums. People living in larger cities with more traffic generally pay more for coverage.
| City | Average Annual Rate |
| Jersey City | $1,178 |
| Trenton | $1,132 |
| Lakewood | $1,130 |
| Bayonne | $1,100 |
| Toms River | $972 |
| Paterson | $1,338 |
| Newark | $1,338 |
| East Orange | $1,337 |
| Elizabeth | $1,310 |
| Clifton | $1,255 |
Average Cost Of Non-Owner Car Insurance In New Jersey Cities
Displayed are the sample charges for five petite cities in New Jersey.
| City | Sample Average Annual Rate |
| High Bridge | $836 |
| Lambertville | $838 |
| Lebanon | $839 |
| Annandale | $835 |
| Asbury | $837 |
What Is SR-22 Insurance?
In essence, SR-22 isn’t an insurance policy but rather a verification of your vehicle liability coverage. Most state DMVs require it for high-risk insurance policies, serving as evidence that you’re meeting the minimum liability insurance standards.
This documentation, managed by your insurance provider, is vital for individuals facing license suspension due to traffic infractions or serious offenses like DUIs. Essentially, it confirms your financial responsibility by demonstrating you’ve secured the necessary auto liability insurance.
Typically, it’s a state or court requirement, particularly for high-risk drivers, and your insurer is obligated to inform the state if your coverage lapses.
What Does Non-Owner Car Insurance Cover?
For those without their own vehicle but still in need of insurance, non-owner car insurance is the solution. It primarily offers liability coverage, which handles others’ injuries or property damage in an accident where you’re at fault.
However, it’s crucial to understand that it won’t cover any damage to the car you’re driving; that falls under the owner’s insurance. Some policies may come with extras like medical payments or personal injury protection, which cover medical expenses irrespective of fault.
You can also add uninsured/underinsured motorist protection to protect against drivers with inadequate coverage. Nonetheless, non-owner insurance doesn’t cover damages from theft, vandalism, natural disasters, or collisions.
What Is Non-Owner Car Insurance
Finding yourself frequently driving cars that aren’t yours, whether they’re rentals or borrowed from friends or family, might lead you to consider non-owner car insurance. This type of insurance primarily covers liability, so if you cause an accident while driving someone else’s car, your policy can handle the medical and repair expenses of the other party involved.
Some insurers might also offer additional options like protection against uninsured drivers or personal injury coverage. However, it’s important to note that non-owner insurance usually doesn’t include coverage for damage to the car you’re driving. It’s a wise choice for individuals who often rent or borrow cars, offering an extra layer of security.
Additionally, it could be more cost-effective compared to always buying insurance from the rental company. And having this type of policy ensures you maintain continuous insurance coverage, potentially leading to lower premiums if you decide to purchase 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. |
Average Cost Of Non-Owner Car Insurance In New Jersey
Navigating the world of non-owner car insurance can be daunting, with numerous providers and fluctuating rates. Understanding the financial implications of your choices is important.
To simplify, we’ve created a comparison chart detailing rates from five leading providers.
| Insurer | Average Monthly Rate |
| Progressive | $82 |
| State Farm | $100 |
| Travelers | $36 |
| Geico | $34 |
| Selective | $28 |
How Much Is Non-Owner Car Insurance In New Jersey By Age?
Similar to the pricing model of full coverage car insurance, non-owner car insurance premiums in New Jersey are highest for teenagers and diminish gradually until age 55.
Sample rates for various age categories are outlined below.
| Age | Average Annual Rate |
| 16 | $2,388 |
| 17 | $2,078 |
| 18 | $1,836 |
| 19 | $1,378 |
| 20 | $1,319 |
| 21 | $1,175 |
| 22 | $1,145 |
| 23 | $1,088 |
| 24 | $1,068 |
| 25 | $1,020 |
| 30 | $1,000 |
| 35 | $998 |
| 40 | $998 |
| 45 | $996 |
| 50 | $986 |
| 55 | $987 |
| 60 | $992 |
| 65 | $1,009 |
| 70 | $1,010 |
| 75 | $1,028 |
Should You Get Non-Owner Car Insurance In New Jersey?
Non-owner auto insurance is for those who don’t own a car but occasionally drive. It offers liability coverage if you’re in an accident while driving a rented or borrowed car. Some folks in New Jersey should think about getting non-owner car insurance.
Frequent Renters And Borrowers
Considering non-owner car insurance is a smart move if you frequently rent cars or borrow them from others. Even though rental companies provide insurance options, they can be expensive for regular renters. Likewise, while the owner’s insurance might cover certain accidents, having your own policy ensures you’re protected without impacting the owner’s premium.
Public Transport Commuters With Occasional Driving Needs
Many New Jersey residents rely on public transportation or ridesharing for their everyday commutes, reserving personal vehicle usage for occasional needs. This trend is often observed among urban dwellers with access to efficient public transit or individuals who prefer alternative modes of transportation like biking or walking.
However, there are situations where driving becomes unavoidable. In such cases, non-owner insurance provides the necessary financial protection.
Individuals Trying To Maintain Continuous Coverage
Drivers who lack continuous insurance coverage are often viewed as high-risk by insurance companies, leading to the possibility of increased premiums when purchasing a car. If you’ve sold your vehicle and will be without one for a period, obtaining a non-owner policy can assist in maintaining continuous coverage and preserving your insurance history.
This can be advantageous when you later buy a car and require standard insurance.
How Non-Owner Insurance Rates In New Jersey Compare To Rates In Other States
New Jersey’s average annual non-owner car insurance rate is surprisingly low at $995, compared to the national average of $353.
Take a look at the rates in the 12 most populated states:
| State | Average Annual Premium |
| North Carolina | $937 |
| Florida | $770 |
| New York | $590 |
| Michigan | $585 |
| Texas | $419 |
| Illinois | $396 |
| Georgia | $384 |
| National Average | $353 |
| Pennsylvania | $348 |
| California | $323 |
| Ohio | $241 |
How To Get Non-Owner Car Insurance In New Jersey
Achieve a hassle-free process of obtaining non-owner car insurance in New Jersey by following these five steps.
Understand Your Needs
Prior to starting, it’s crucial to understand why non-owner car insurance is necessary. Do you often rent cars or borrow from friends or family? Do you need a non-owner SR-22 form to reinstate your license? Clearly outlining your requirements is key to finding the ideal option.
Gather Your Personal Information
When requesting a quote for non-owner car insurance, make sure to provide essential personal details like your name, address, and driver’s license number. This data assists the insurer in assessing your risk level and establishing your insurance rate.
Compare Rates From Different Providers
Non-owner car insurance rates can vary between insurance companies. It’s a good idea to compare quotes from different providers to find the best deal.
Choose The Right Coverage
Most non-owner auto insurance policies include liability coverage, handling costs if you’re responsible for an accident. Depending on your needs and the insurer, you may be able to include additional coverages such as uninsured motorist protection or medical payments. Ensure you pick a policy that caters to your specific needs.
Purchase Your Policy And Obtain Proof Of Insurance
After picking a policy, you can usually make the purchase online or over the phone. Once you’ve bought it, you’ll swiftly receive proof of insurance, often via email. If necessary, your provider can also handle filing an SR-22 for you.
FAQs
Do you need car insurance if you don’t own a car in New Jersey?
Absolutely, car insurance is essential in New Jersey, regardless of ownership. Non-owner car insurance is tailored for those who often drive borrowed or rented vehicles, ensuring they have liability coverage for accidents caused while driving.
Can I buy auto insurance for someone else’s car in New Jersey?
Sure thing, in New Jersey, you can purchase auto insurance for someone else’s car. Yet, it’s not as straightforward as getting insurance for your own car. Insurers generally prefer to see some sort of connection between the policyholder and the car, like co-ownership or regular use.
Who offers the cheapest non owners car insurance in New Jersey?
According to our examination, Kemper is the top choice for affordable non-driver car insurance in New Jersey.
