Non-Owner Car Insurance In Michigan 2024
Through extensive analysis, we’ve discovered that Kemper offers the most inexpensive and best non-owner car insurance in Michigan.
We’ve saved shoppers an average of $600 per year on their car insurance.
Many Michigan residents are turning away from traditional car ownership, opting instead to share or rent vehicles as needed. Non-owner car insurance provides a solution by offering financial protection and peace of mind in such situations.
With 15 years of experience as an insurance agent and over 35 years of purchasing car insurance, I possess a thorough understanding of Michigan’s insurance market and the unique advantages offered by different providers.
Cheapest Non-Owner Car Insurance In Michigan, 2024
Compare The Cheapest And Best Non-Owner Car Insurance In Michigan
| 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 |
| Travelers |
|
Best Runner-up |
A++ |
NR |
$44 |
Instant Quote |
| Progressive |
|
Cheapest With A Clean Driving Record |
A+ |
809 |
$36 |
Instant Quote |
Our Methodology
Utilizing an in-depth examination that takes into account customer service ratings, product options, pricing details, and assessments from diverse online review platforms and user experiences, I've developed a comprehensive understanding of non-owner car insurance providers.
This perspective has been refined through my extensive tenure of over 15 years as a licensed agent in Michigan, along with multiple interactions with representatives from various companies and firsthand buying experiences.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
Cheapest Non-Owner Car Insurance Companies In Michigan
Cheapest Overall
Key Statistics
Why We Like Them
⇅In Michigan, if you need cheap car insurance but don’t own a car, Kemper could be a good option. They specialize in providing low-cost auto insurance for drivers who are considered high-risk. You can buy their policies through independent agents in Michigan and other states.
Despite offering budget-friendly insurance, Kemper doesn’t rank well in customer satisfaction, according to the National Association of Insurance Commissioners. Nonetheless, many people still choose Kemper, making it the 11th largest insurer in the country.
For active-duty military personnel, National Guard members, deployed individuals, or those living on a military base who often use someone else’s car, Kemper might be a suitable choice.
Michigan is known for its high cost of living, which includes pricey car insurance. Factors like heavy traffic and a large number of uninsured or underinsured drivers contribute to the high expenses of owning and insuring a vehicle, making it challenging for many to afford.
As a result, more people are deciding not to own a car or are depending on rentals. Finding affordable non-owner car insurance is helping many in Michigan save money on insurance they don’t need anymore.
Benefits & Drawbacks
⇅- Offers the cheapest insurance rates for people in Michigan who don't have a car.
- If it's necessary, be sure to obtain an SR-22 form.
- AM Best gives a high rating for financial stability. ✓
- Many customers have expressed dissatisfaction with the help provided to people who have insurance.
- A mobile application that has received poor ratings from its users. ✘
Rates For The Cheapest Non Owner Car Insurance In Michigan
| Insurance company | Monthly Rate |
| Kemper | $20 |
| Auto-Owners | $64 |
| Progressive | $95 |
| GEICO | $90 |
| Travelers | $22 |
Cheapest Non Owner SR-22
Key Statistics
Why We Like Them
⇅Farmers is well-known for its reliable non-owner car insurance, especially for drivers who need an SR-22 form. This form is required for people considered “high-risk” by the state due to offenses like DUIs, reckless driving, or driving without insurance.
What makes Farmers stand out is its specialized help designed for high-risk drivers. They not only provide SR-22 insurance but also assist drivers with suspended licenses to get them reinstated quickly. This focus on simplifying things for high-risk drivers makes Farmers different from other insurance companies.
In terms of cost, Farmers offers SR-22 Insurance at just about a 2% higher rate than regular car insurance on average. This affordability, along with comprehensive coverage, makes Farmers a practical choice for Michigan drivers who need an SR-22.
Getting non-owner SR-22 insurance is a wise move for high-risk drivers who don’t own a car but still need to drive occasionally. It provides liability coverage, protecting you financially if you have an accident while driving a borrowed or rented vehicle.
Additionally, it helps in keeping continuous insurance coverage, demonstrating financial responsibility, and avoiding potential gaps in your insurance history that could lead to higher premiums in the future.
Benefits & Drawbacks
⇅- Concentrates on helping people flagged as high-risk drivers.
- We offer the most competitive rates for SR-22 insurance for those without a vehicle.
- You have various insurance options available for you to pick from. ✓
- Numerous customers are facing problems with how their claims are being managed and settled.
- Auto insurance rates might go up for drivers who are considered at higher risk for accidents or making claims. ✘
Rates For The Cheapest Non-Owner SR-22 In Michigan
| Insurance company | Monthly Rate |
| Progressive | $140 |
| GEICO | $225 |
| State Farm | $95 |
| Farmers | $40 |
| Travelers | $50 |
Cheapest With A Clean Driving Record
Key Statistics
Why We Like Them
⇅If you’re living in Michigan and you don’t own a car but need insurance, Progressive is a good option to consider, especially if you’ve been a safe driver. Their non-owner car insurance provides coverage for accidents, including injuries and property damage. This is important because Michigan requires all vehicles on its roads to have some form of financial responsibility.
You can get Progressive’s non-owner car insurance either through independent agents or directly from Progressive. They’re known for handling claims efficiently and have strong financial ratings.
Having a clean 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. Plus, it helps insurers avoid losses from claims, which helps them keep their rates competitive. So, keeping your driving record clean can significantly cut down your insurance expenses.
Benefits & Drawbacks
⇅- There are numerous choices available when it comes to getting insurance.
- Great deals for drivers who put safety first.
- Drivers with a clean driving record, meaning they haven't been in any accidents or violated traffic laws, are eligible for reduced prices. ✓
- 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 don't own a vehicle. ✘
Cheapest Non-Owner Car Insurance Rates With A Clean Driving Record
| Insurance company | Monthly rate |
| Auto-Owners | $74 |
| GEICO | $90 |
| State Farm | $28 |
| Progressive | $22 |
| Farmers | $100 |
Best Overall Non Owner Car Insurance
Key Statistics
Why We Like Them
⇅State Farm stands out as a great option for people in Michigan seeking non-owner car insurance because of its competitive rates, various coverage choices, and excellent customer service.
Although it might not be the absolute cheapest, State Farm starts its rates at $213 per year for non-owner liability coverage. This coverage protects you if you’re responsible for injury or property damage.
Additionally, if you already have a personal auto policy with State Farm that includes comprehensive coverage, it can also cover your rental car, giving you extra peace of mind.
What sets State Farm apart is its commitment to customer service. They make it easy to reach them through their phone app or a dedicated contact number, ensuring that policyholders can get quick assistance when needed.
While price is important, exceptional customer service shouldn’t be overlooked. Insurance isn’t just about the cost; it’s about feeling secure and knowing you’ll receive help when necessary. An insurance company’s ability to efficiently handle claims and offer guidance is crucial.
Benefits & Drawbacks
⇅- A broad variety
- Competitive pricing
- Incredible customer satisfaction ✓
- Typically, insurance policies that aren't specifically for the vehicle owner may not provide full coverage for accidents or collisions.
- They provide only a restricted quantity of discounts.
- You can find cheaper alternatives. ✘
Best Runner-Up
Key Statistics
Why We Like Them
⇅In Michigan, Travelers stands out as a popular option for people looking for non-owner car insurance. They’re well-known for tailoring plans to fit individual needs and delivering excellent customer service.
Having a reliable insurance company is important, especially in emergencies or when making claims. Travelers excels in this area by offering quick and effective assistance to help you navigate through any issues smoothly, showing their commitment to keeping customers satisfied.
Travelers offers a variety of coverage options for non-owners, including basic liability, collision, and uninsured/underinsured coverage, all at reasonable prices.
Non-owner car insurance primarily focuses on protecting you from liability for damages you cause to others. However, you can enhance your coverage by adding comprehensive and collision protection, which protects you from theft, vandalism, natural disasters, and accidents involving other vehicles or objects, regardless of fault.
Benefits & Drawbacks
⇅- Absolute security
- Outstanding customer service
- Competitive pricing ✓
- Right now, you can't get quotes on the internet.
- Discounts with limitations
- Drivers who are seen as more likely to cause accidents will have to pay more for their car insurance. ✘
Average Cost Of Non Owner Car Insurance In Michigan Cities
The following figures depict the common prices in five small Michigan cities.
| City | Sample Average Annual Rate |
| Friendship | $449 |
| Houghton | $451 |
| Carp Lake | $450 |
| Grand Haven | $445 |
| Allendale | $447 |
How Much Is Non-Owner Car Insurance In Michigan’s 10 Biggest Cities?
Your location matters for car insurance prices, especially in larger cities where traffic is heavy. Expect to pay more in such areas.
| City | Average Annual Rate |
| Livonia | $634 |
| Troy | $598 |
| Lansing | $505 |
| Ann Arbor | $479 |
| Grand Rapids | $474 |
| Detroit | $1,645 |
| Dearborn | $1,166 |
| Westland | $837 |
| Warren | $832 |
| Sterling Heights | $787 |
What Is SR-22 Insurance?
SR-22 doesn’t function as a standard insurance policy; rather, it validates your vehicle liability coverage. Most state DMVs necessitate it for high-risk insurance policies, confirming that you satisfy the minimum liability insurance prerequisites.
Your insurance provider submits this paperwork, critical for individuals facing license suspension because of traffic violations or major offenses like DUIs. Essentially, it certifies your financial responsibility by demonstrating that you’ve secured the required auto liability insurance.
Typically, it’s mandated by the state or court, particularly for high-risk drivers, and your insurer is obligated to inform the state if your coverage lapses.
How Much Is Non-Owner Car Insurance In Michigan – By Age?
Non-owner car insurance rates in Michigan operate similarly to full coverage insurance, with the highest costs for teenagers and a gradual decline in premiums until the age of 55.
Presented are example rates for various age demographics.
| Age | Average Annual Rate |
| 16 | $2,854 |
| 17 | $2,008 |
| 18 | $1,772 |
| 19 | $982 |
| 20 | $912 |
| 21 | $789 |
| 22 | $750 |
| 23 | $715 |
| 24 | $698 |
| 25 | $600 |
| 30 | $562 |
| 35 | $562 |
| 40 | $578 |
| 45 | $578 |
| 50 | $578 |
| 55 | $562 |
| 60 | $558 |
| 65 | $578 |
| 70 | $689 |
| 75 | $734 |
What Is Non-Owner Car Insurance
Regularly driving cars that aren’t yours, whether they’re rentals or borrowed vehicles, might prompt you to consider non-owner car insurance. This type of insurance primarily deals with liability, so if you’re in an accident while driving someone else’s car, your policy can cover 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 worth noting that non-owner insurance usually doesn’t cover damage to the car you’re driving. It’s a practical choice for individuals who frequently rent or borrow cars, providing an extra layer of security.
Plus, it could be a more economical option compared to always purchasing insurance from the rental company. Furthermore, having this type of policy ensures you maintain continuous insurance coverage, potentially resulting in 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. |
How Non-Owner Insurance Rates In Michigan Compare To Rates In Other States
It’s noteworthy that non-owner car insurance in Michigan is priced at an average of $576 per year, which is lower than the national average of $353.
Here’s how rates compare 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 |
What Does Non-Owner Car Insurance Cover?
Non-owner car insurance is for those who don’t own a vehicle but still need coverage. It primarily provides liability insurance, which pays for injuries or property damage you cause in an accident.
However, it’s essential to note that it doesn’t cover damage to the car you’re driving; that’s the responsibility of the owner’s insurance. Some policies may include extras like medical payments or personal injury protection, which cover medical expenses after an accident, regardless of fault.
Additionally, you can opt for uninsured/underinsured motorist protection to safeguard against drivers with inadequate coverage. Nonetheless, it’s important to understand that non-owner insurance doesn’t include comprehensive or collision coverage for damages from theft, vandalism, natural disasters, or accidents.
Average Cost Of Non-Owner Car Insurance In Michigan
Figuring out non-owner car insurance options can be overwhelming given the many providers and varying rates. Understanding the financial impact of your choice is crucial.
To aid you, we’ve prepared a comparison chart outlining rates from five top providers.
| Insurer | Average Monthly Rate |
| Progressive | $117 |
| Automobile Club MI | $166 |
| Auto-Owners | $172 |
| Geico | $111 |
| USAA | $115 |
Should You Get Non-Owner Car Insurance In Michigan?
Non-owner auto insurance is designed for individuals who don’t have a car but still drive from time to time. It provides liability coverage if you happen to cause an accident while driving a rented or borrowed vehicle. Certain people in Michigan should think about getting non-owner car insurance.
Frequent Renters And Borrowers
Non-owner car insurance is worth looking into if you regularly rent cars or borrow them from others. Though rental companies offer insurance options, they can be expensive for frequent renters. Similarly, while the owner’s insurance might cover certain accidents, having your own policy ensures protection without impacting the owner’s premium.
Public Transport Commuters With Occasional Driving Needs
The daily commute for many Michigan residents revolves around public transportation or ridesharing services, with personal vehicles reserved for occasional use. This pattern is common among those living in urban areas with robust public transit systems or individuals who prioritize biking or walking.
However, situations may arise where driving is unavoidable. Non-owner insurance offers the necessary financial protection in such cases.
Individuals Trying To Maintain Continuous Coverage
Drivers who lack continuous insurance coverage are often labeled high-risk by insurance firms, potentially leading to increased premiums upon buying a car. If you’ve sold your vehicle and expect to be without one temporarily, securing a non-owner policy can help in upholding continuous coverage and safeguarding your insurance history.
This can be particularly advantageous when you eventually buy a car and need typical insurance.
How To Get Non-Owner Car Insurance In Michigan
Simplify the process of obtaining non-owner car insurance in Michigan by following these five steps.
Understand Your Needs
Before you begin, it’s important to grasp why non-owner car insurance is needed. Do you frequently rent cars or borrow from friends or family? Do you require a non-owner SR-22 form for license reinstatement? Clearly defining your requirements is essential for finding the right fit.
Gather Your Personal Information
If you want to know how much non-owner car insurance will cost you, be ready to provide basic personal information like your name, address, and driver’s license number. This helps the insurance company evaluate your risk and determine your premium.
Compare Rates From Different Providers
Non-owner car insurance rates differ from one insurance company to another. It’s important to compare quotes from various providers to find the best value.
Choose The Right Coverage
The majority of non-owner car insurance plans come with liability coverage, which pays for damages if you’re liable for an accident. Depending on your preferences and the insurance company, you might have the option to include extra coverages such as uninsured motorist protection or medical payments. It’s important to choose a policy that fits your specific needs.
Purchase Your Policy And Obtain Proof Of Insurance
When you’ve decided on a policy, you can typically buy it online or by phone. After purchasing, you’ll quickly get proof of insurance, usually via email. If necessary, your provider can also file an SR-22 for you.
FAQs
Do you need car insurance if you don’t own a car in Michigan?
It’s necessary to have car insurance in Michigan, regardless of car ownership. Non-owner car insurance is designed for individuals who regularly drive borrowed or rented vehicles, ensuring they have liability coverage for driving-related accidents.
Can I buy auto insurance for someone else’s car in Michigan?
Certainly, you have the option to buy insurance for someone else’s car in Michigan. Though, it’s not as simple as insuring your own car. Insurers usually want to see a connection between the policyholder and the vehicle, such as co-ownership or regular usage.
Who offers the cheapest non owners car insurance in Michigan?
Based on our analysis, Kemper stands out for its wallet-friendly rates on non-owner car insurance in Michigan.
