Home Car insurance Non-owner car insurance Texas Houston, TX How much does non-owner auto insurance cost in Houston View Carriers Please enter valid zip Compare top carriers in your area Written by Bob Haegele Bob Haegele Bob Haegele is a personal finance writer. He covers car insurance, health insurance and life insurance. While working in the corporate world he started a personal finance blog. He later left his corporate job and began freelance writing full-time. Since then, he has made it his mission to help people master their money. His work has been featured in Business Insider, Forbes Advisor, Bankrate, FinanceBuzz and others. Reviewed by John McCormick John McCormick John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology. Posted on: August 19, 2024 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Non-owner auto insurance costs $393 annually in Houston, which is $68 more than the national average, according to an Insure.com 2024 rate analysis. In Houston, non-owner policies are available from companies such as Texas Farm Bureau, Auto Club Enterprises (AAA) and State Farm. Non-owner car insurance is designed for people, such as high-risk drivers, who need insurance to keep their license but don’t own a car. It’s affordable and easy to get. How much is non-owner auto insurance cost in Houston? The average annual cost of non-owner auto insurance in Houston is $393, with a six-month cost of $197. That compares to an average annual cost of $2,317 in Houston and a six-month cost of $1,159 for a full coverage policy. Insurers generally assess non-owners as less risky than owners since they may not be able to access a vehicle as easily. Which insurer offers the cheapest non-owner insurance rates in Houston If you need non-owner auto insurance in Houston, the lowest rate is from Texas Farm Bureau at $265 annually or $22 monthly. The highest rate is from Farmers, which charges $1,135 annually or $95 monthly. However, many factors can influence your non-owner auto insurance rate, including your age, gender and driving record. This is why experts generally recommend obtaining quotes from multiple insurers to find the best rate available. Non-owner auto insurance costs may vary widely depending on the insurer. Below are the average annual premiums for this type of insurance from several popular insurers in Houston. Cheapest non-owner insurance rates in Houston CompanyNon-owner insurance ratesTexas Farm Bureau$265 Auto Club Enterprises (AAA)$296 State Farm$317 Nationwide$690 Geico$1,106 Farmers$1,135 How much is non-owner car insurance in Houston by age? Age is a significant factor in determining non-owner auto insurance. Statistics show that younger drivers are riskier due to a lack of experience. The average rate for non-owner auto insurance for a teenager (ages 16-19) in Houston is $698. That’s more than double what adults (ages 25-60) pay in the city. Average non-owner car insurance rates in Houston by age Age groupNon-owner insurance ratesTeens (16-19)$698 Young Adults (20-24)$530 Adults (25-60)$397 Seniors (65-75)$418 How much does non-owner auto insurance cost in Houston vs. other cities? With an annual cost of $393, non-owner auto insurance in Houston is $68 more than the national average. But rates vary from city to city. Cities in other states may have lower non-owner auto insurance costs than Houston. Still, many cities have higher costs, with the highest rates mostly in the South. Non-owner auto insurance in Houston vs. other cities CityNon-owner auto insurance cost Columbus, Ohio$255 Indianapolis, Indiana$296 San Diego, California$298 San Jose, California$299 Denver, Colorado$310 San Francisco, California$319 Oklahoma City, Oklahoma$326 Chicago, Illinois$367 Houston, Texas$393 Philadelphia, Pennsylvania$411 Los Angeles, California$422 Seattle, Washington$434 San Antonio, Texas$481 Phoenix, Arizona$482 Fort Worth, Texas$497 Austin, Texas$500 Jacksonville, Florida$512 Dallas, Texas$523 Charlotte, North Carolina$555 New York City, New York$607 When should you consider buying non-owner car insurance in Houston? If you don’t own a car, you might assume you don’t need car insurance. However, there are still reasons to consider getting an auto insurance policy. For one, if you’re in an at-fault state – and most states are at-fault, or tort, states – responsibility for the accident is determined and the responsible driver or their insurance company will need to pay for the damages caused by the accident, including medical issues. This might apply if you often borrow a car from friends or family, or you regularly rent vehicles. “This type of policy is also beneficial for those who need to maintain continuous auto insurance coverage to avoid gaps that can result in higher premiums in the future,” says Golnoush Goharzad, a personal injury attorney near Los Angeles, California. For example, the average cost of non-owner insurance is just $422 in Los Angeles, or $35 per month. While the cost may vary, the cost of damage from an accident can easily be higher than the annual premium. If you drive regularly in the city, it’s a relatively low cost to pay given that it will protect you in the event of an accident. What does non-owner auto insurance cover? Non-owner auto insurance provides coverage when you are driving a vehicle you don’t own. “If someone with non-owner auto insurance is involved in an accident while driving a rental car or a friend’s car, the policy typically covers liability for damages and injuries to others,” Goharzad says. An important caveat is these policies don’t cover damage to the car you are driving. “That would be covered under the car owner’s policy or possibly through optional insurance purchased from the rental agency,” Goharzad says. Goharzad added that non-owner auto insurance policies may provide extra coverage. “Non-owner policies may also provide supplementary liability over and above what the car owner’s policy covers, filling in gaps if the primary policy’s limits are exhausted.” How to get non-owner car insurance in Houston Getting non-owner car insurance is similar to buying any other kind of auto policy but may have unique requirements. For example, Goharzad says, “to qualify for a non-owner car insurance policy in California, individuals typically must have a valid driver’s license and not own a vehicle. They also should not have regular access to a household vehicle,” Goharzad says. Insurers may have additional requirements, Goharzad adds. To get non-owner auto insurance, the general steps are: Identify providers offering non-owner auto insurance. Several car insurance companies offer this type of policy. This article identified several such companies in an earlier section. Get quotes. Contact several companies offering non-owner auto insurance and ask for a quote. You can often do this online or over the phone. Be prepared to provide information about yourself and your driving history. Select the policy that best meets your needs. Choose the policy that works best for you and your budget. Check that the policy meets the minimum car insurance requirements. If it doesn’t, check other quotes or consider buying additional coverage. Check state and local resources for additional information, such as California’s automobile insurance guide. This guide provides general information about car insurance, lets you compare premiums and can help you find a broker. Non-owner car insurance rates in other citiesAustinDallasFort WorthSan AntonioBob HaegeleContributing Researcher | . .Bob Haegele is a personal finance writer. He covers car insurance, health insurance and life insurance. While working in the corporate world he started a personal finance blog. He later left his corporate job and began freelance writing full-time. Since then, he has made it his mission to help people master their money. His work has been featured in Business Insider, Forbes Advisor, Bankrate, FinanceBuzz and others. In case you missed it Best Car Insurance Companies of 2024 Car insurance rates by state in 2024 What is full coverage car insurance? 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page How much is non-owner auto insurance cost in Houston?Which insurer offers the cheapest non-owner insurance rates in HoustonHow much is non-owner car insurance in Houston by age?How much does non-owner auto insurance cost in Houston vs. other cities?When should you consider buying non-owner car insurance in Houston?What does non-owner auto insurance cover?How to get non-owner car insurance in Houston ZIP Code Please enter valid ZIP See rates