English
Arabic
French
Spanish
Portuguese
Deutsch
Turkish
Dutch
Italiano
Russian
Romaian
Portuguese (Brazil)
Greek
Non-owner car insurance in Texas costs $408 annually, which is $55 more than the U.S. average, according to an Insure.com 2023 rate analysis.
In Texas, non-owner policies are available from companies such as State Farm, Mercury Insurance and Nationwide.
“Non-owner policies provide the minimum coverage required by the state, as well as some optional add-ons, but there are specific requirements by the insurance carriers to provide this coverage in lieu of a traditional auto insurance policy,” says Patti Clement, senior vice president of private client services at HUB International, a leading personal insurance brokerage.
Learn more about the various requirements, what non-owner insurance is, which companies offer it and how much it costs in Texas.
How much does non-owner auto insurance cost in Texas?
Non-owner insurance is usually cheaper than full coverage car insurance—insurers consider non-owner policyholders as less of a risk because they have minimal access to a car.
On average in the United States, it costs drivers with clean driving records and good credit scores $1,682 a year for a 100/300/100 full coverage insurance policy—$100,000 for injuries you cause in an accident, up to $300,000 per accident, and $100,000 for any damages to property. In Texas, full coverage car insurance costs $1,794.
Alternatively, non-owner auto insurance is $353 a year on average in the U.S. and $408 in Texas.
But actual rates are based on your age and driving history and also where in Texas you live.
Which insurer offers the cheapest non-owner insurance rates in Texas?
Auto Club Enterprises (AAA) offers Texas’ least expensive non-owner insurance policy at $174 a year.
At $878 a year, Geico charges the highest rate for non-owner insurance in the state.
A good rule of thumb is to compare quotes from many different insurance companies to get the best price. Below you’ll find a list of the cheapest non-owner policies offered in Texas
Cheapest non-owner insurance rates in Texas
| Company | Average annual premium |
|---|---|
| Auto Club Enterprises (AAA) | $174 |
| USAA | $187 |
| State Farm | $204 |
| Mercury Insurance | $340 |
| Nationwide | $497 |
Note that USAA only offers coverage to military members, veterans and their families.
 | Pretected
| Get a Quote |
 | Ultimate Insurance
| Get a Quote |
 | BlueSky
| Get a Quote |
How much is non-owner car insurance in Texas by age?
Age is an important factor when it comes to pricing. Young drivers are a higher risk because they haven’t been driving for long and are more likely to cause an accident than older, more experienced drivers. Texas non-owner insurance costs, on average, $1,211 a year for a 16-year-old, while it’s $413 for a 45-year-old driver.
Average non-owner auto insurance rates in Texas by age and gender
| Age | Male | Female |
|---|---|---|
| 16 | $1,225 | $1,196 |
| 17 | $971 | $942 |
| 18 | $909 | $881 |
| 19 | $751 | $734 |
| 20 | $689 | $680 |
| 21 | $584 | $546 |
| 22 | $543 | $512 |
| 23 | $499 | $478 |
| 24 | $478 | $464 |
| 25 | $464 | $452 |
| 30 | $424 | $433 |
| 35 | $409 | $424 |
| 40 | $408 | $418 |
| 45 | $409 | $417 |
| 50 | $405 | $409 |
| 55 | $396 | $405 |
| 60 | $388 | $395 |
| 65 | $410 | $406 |
| 70 | $442 | $425 |
| 75 | $482 | $448 |
Which Texas cities have the cheapest non-owner car insurance?
There’s a great deal of variation from city to city when it comes to rates. Insurers set rates based on data points such as theft, collisions and vandalism in different U.S. cities.
The tables below show which cities in Texas have the lowest and highest non-owner car insurance rates.
The 20 Texas cities with the lowest non-owner car insurance rates
| Cities in Texas | Lowest non-owner car insurance rates |
|---|---|
| Sierra Blanca | $305 |
| Fort Hancock | $308 |
| Alanreed | $317 |
| Alpine | $317 |
| Dell City | $317 |
| Marathon | $317 |
| Marfa | $317 |
| Presidio | $317 |
| Redford | $317 |
| Balmorhea | $318 |
| Big Bend National Park | $318 |
| Fort Stockton | $318 |
| McLean | $318 |
| Orla | $318 |
| Pecos | $318 |
| Saragosa | $318 |
| Terlingua | $318 |
| Toyah | $318 |
| Toyahvale | $318 |
| Valentine | $318 |
The 20 Texas cities with the highest non-owner auto insurance rates
| Cities in Texas | Highest non-owner car insurance rates |
|---|---|
| Alief | $573 |
| Edinburg | $557 |
| Pharr | $557 |
| Hidalgo | $549 |
| McAllen | $548 |
| South Houston | $547 |
| Alamo | $542 |
| Edcouch | $541 |
| Elsa | $541 |
| La Villa | $540 |
| Progreso | $540 |
| Hargill | $536 |
| Lopezville | $536 |
| Llano Grande | $535 |
| Donna | $532 |
| Penitas | $531 |
| Houston | $528 |
| Stafford | $528 |
| Fresno | $525 |
| Missouri City | $523 |
How much is non-owner car insurance in Texas’ 10 biggest cities?
The most populous cities in Texas have different non-owner insurance rates. The cost of non-owner insurance in Houston is the most expensive at $528. El Paso has the cheapest rates of the state’s most populous cities at $381.
Non-owner auto rates in Texas’s 10 largest cities
| 10 largest cities in Texas | Non-owner car rates |
|---|---|
| Houston | $528 |
| Plano | $468 |
| Irving | $467 |
| Arlington | $466 |
| Dallas | $465 |
| Corpus Christi | $465 |
| San Antonio | $461 |
| Fort Worth | $428 |
| Austin | $422 |
| El Paso | $381 |
How non-owner insurance rates in Texas compare to rates in other states
Non-owner auto insurance rates also differ from state to state. The average non-owner insurance rate in Texas is $408 a year, which is more than the national average of $353. South Dakota is the least expensive at $170 annually, followed by Idaho at $190 a year and Iowa at $193 per year.
Non-owner car insurance rates in the 10 most populous states
| State | Average annual premium |
|---|---|
| North Carolina | $926 |
| Florida | $759 |
| New York | $578 |
| Michigan | $574 |
| Texas | $408 |
| Illinois | $385 |
| Georgia | $373 |
| National Average | $353 |
| Pennsylvania | $337 |
| California | $323 |
| Ohio | $230 |
How to get non-ownercar insurance in Texas
Your driver’s license number and a credit or debit card are all you’ll need to get a non-owner insurance policy.
To purchase a policy, follow these steps:
- Contact an auto insurance agent about the coverage
- Supply your basic driving history
- Review the information you receive on the insurers and rates
- Choose the policy that best meets your needs
- Put down a payment to begin coverage
Often, you’ll receive proof of insurance very quickly.
For a non-owner insurance policy, you’ll need to call your insurer rather than go online for a quote.
“You must pick up the phone to request a non-owner insurance quote. Although the majority of the major auto insurance providers provide non-owner policies, none of them provide online non-owner insurance estimates,” says Bruce Mohr, senior investment advisor and credit consultant at Fair Credit, a consumer-credit service and consulting company.
Below are some insurers with their phone numbers to call for a non-owner insurance quote.
- State Farm: 800-782-8332
- Geico: 800-207-7847
- Progressive: 888-671-4405
- Allstate: 800-726-6033
- USAA: 800-531-8722
Methodology
Insure.com in 2023 compiled non-owner insurance rates from Quadrant Information Services for a 40-year-old male with a good driving record looking for a state minimum, liability-only policy.
