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Non-owner auto insurance in Colorado costs $282 per year, which is $43 less than the rest of the country on average, according to a rate analysis by Insure.com.
In Colorado, non-owner policies are available from companies such as Auto-Owners, Geico and State Farm.
Non-owner car insurance is a policy for people who don’t own a car but often borrow or rent a vehicle. It provides liability coverage for bodily injury and property damage in case you get in an accident while driving a car owned by someone else.
“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 Colorado.
Key Takeaways
- The average non-owner car insurance cost in Colorado is $24 per month for a 40-year-old male with a good driving record.
- Car insurance rates vary by age. For instance, a 16-year-old male in Colorado pays an average of $591 for non-owner car insurance, whereas a 25-year-old male pays $311 a year for the same coverage.
- Auto-Owners offers most affordable rates for non-owner car insurance in Colorado at $63.
How much does non-owner auto insurance cost in Colorado?
Non-owner insurance is usually less expensive than full coverage auto insurance-insurers view non-owner policyholders as less of a risk because they have minimal access to a vehicle.
On average in the U.S., it costs a driver with a clean driving record and good credit score $1,895 annually 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 property damage. Full coverage car insurance is $2,337 in Colorado.
Alternatively, non-owner car insurance is $325 a year on average in the United States and $282 in Colorado.
But actual rates are based on your age and driving history and also where in state you live.
Which insurer offers the cheapest non-owner insurance rates in Colorado?
Auto-Owners offers Colorado’s least expensive non-owner insurance policy at $63 a year.
At $529 a year, the Farmers charges the highest rate for non-owner insurance in the state.
Experts recommend comparing quotes from many different insurance companies so that you can find the best rate available. The cheapest non-owner insurance policies in the state are listed below.
Cheapest non-owner insurance rates in Colorado
Company | Average annual premium |
---|---|
Auto-Owners | $63 |
Geico | $145 |
State Farm | $240 |
Kemper | $244 |
Southern Farm Bureau | $349 |
Acuity Insurance | $394 |
Progressive | $471 |
Farmers | $529 |
USAA | $126 |
Note that USAA only offers coverage to military members, veterans and their families.
How much is non-owner car insurance in Colorado by age?
Age plays an important role in pricing because young people who haven’t been driving for a long time are seen as higher risk and are more likely to cause an accident. So older and more experienced drivers usually enjoy lower rates. On average, non-owner insurance costs $591 a year for a 16-year-old and $280 for a 45-year-old in Colorado.
Average non-owner car insurance rates in Colorado by age and gender
Age | Rates for male drivers | Rates for female drivers |
---|---|---|
16 | $611 | $571 |
17 | $522 | $476 |
18 | $474 | $441 |
19 | $502 | $482 |
20 | $465 | $451 |
21 | $380 | $359 |
22 | $354 | $340 |
23 | $331 | $321 |
24 | $315 | $312 |
25 | $307 | $314 |
30 | $286 | $293 |
35 | $280 | $287 |
40 | $278 | $285 |
45 | $278 | $283 |
50 | $273 | $274 |
55 | $272 | $273 |
60 | $279 | $268 |
65 | $290 | $280 |
70 | $308 | $305 |
75 | $334 | $331 |
See how non-owner car insurance prices vary in major U.S. cities
Which Colorado cities have the cheapest non-owner auto insurance?
Rates differ from ZIP code to ZIP code. Insurers consider the number of thefts, collisions and vandalism in an area when calculating rates.
The tables below display the cities in Colorado that have the least and most expensive non-owner auto insurance rates.
The 20 Colorado cities with the lowest non-owner auto insurance rates
City | Non-owner car insurance rates |
---|---|
Silt | $244 |
Naturita | $245 |
Redvale | $246 |
Nucla | $246 |
Rifle | $246 |
Paonia | $246 |
Montrose | $246 |
Delta | $247 |
Cedaredge | $247 |
Olathe | $247 |
New Castle | $247 |
Paradox | $248 |
Hayden | $248 |
Hotchkiss | $248 |
Parachute | $249 |
Cimarron | $249 |
Sterling | $249 |
Eckert | $249 |
Iliff | $249 |
Bedrock | $250 |
The 20 Colorado cities with the highest non-owner car insurance rates
City | Non-owner car insurance rates |
---|---|
Sherrelwood | $337 |
Cimarron Hills | $329 |
Eastlake | $328 |
Aurora | $327 |
Thornton | $324 |
Westminster | $322 |
Ken Caryl | $318 |
Colorado Springs | $316 |
Cascade | $315 |
Roxborough Park | $315 |
Fountain | $315 |
Highlands Ranch | $315 |
Fort Carson | $314 |
Parker | $313 |
Dakota Ridge | $313 |
Frederick | $312 |
Cherry Creek | $312 |
Ward | $312 |
Castle Rock | $311 |
Air Force Academy | $311 |
How much is non-owner car insurance in Colorado’s 10 biggest cities?
The most populous cities in Colorado have varying non-owner insurance rates. The cost of non-owner insurance in Aurora is the highest at $327; Fort Collins has the cheapest rates of the largest cities in the state at $285.
Non-owner car rates in Colorado’s 10 largest cities
10 largest cities | Non-owner car insurance rates |
---|---|
Aurora | $327 |
Thornton | $324 |
Westminster | $322 |
Colorado Springs | $316 |
Arvada | $311 |
Denver | $310 |
Lakewood | $308 |
Pueblo | $304 |
Greeley | $286 |
Fort Collins | $285 |
How non-owner insurance rates in Colorado compare to rates in other states
Non-owner car insurance rates also differ from state to state. The average non-owner insurance rate in Colorado is $282 a year, which is lower than the national average of $325.
Non-owner auto insurance rates in the 10 most populous states
State | Average annual premium |
---|---|
California | $299 |
Florida | $545 |
Georgia | $312 |
Illinois | $279 |
Michigan | $513 |
New York | $421 |
North Carolina | $470 |
Ohio | $214 |
Pennsylvania | $263 |
Texas | $447 |
National Average | $325 |
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,” says Golnoush Goharzad, a personal injury attorney in California.
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 adds 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 auto insurance in Colorado
Your driver’s license number and a credit or debit card are all you 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. Here are a few car insurance companies with their contact 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.
What our expert says
Q: Does a non-owner policy cover damage to your car?
Frequently asked questions
Who needs non-owner car insurance in Colorado?
Non-owner car insurance is ideal for individuals who frequently rent cars or borrow others’ vehicles but do not own a car themselves. It’s also necessary for those who need to maintain continuous insurance coverage to avoid lapses.
Is non-owner car insurance available to everyone?
Non-owner car insurance is generally available if you do not own a vehicle, do not have regular access to a vehicle, and have a valid driver’s license. It is not available if you can be covered as a driver under another household member’s policy.
Can I get non-owner car insurance if I live with someone who owns a car?
If you live with someone who owns a car, you are generally expected to be listed on their car insurance policy. However, if you are not listed, non-owner car insurance could provide you with liability coverage when driving other vehicles.
What is the difference between non-owner and standard car insurance?
Non-owner car insurance only covers liability for bodily injury and property damage inflicted on others, not damages to the vehicle you are driving or injuries to yourself, which are typically covered under standard auto insurance policies.
How much is car insurance in other states
- How much does non-owner auto insurance cost in Colorado?
- Which insurer offers the cheapest non-owner insurance rates in Colorado?
- How much is non-owner car insurance in Colorado by age?
- Which Colorado cities have the cheapest non-owner auto insurance?
- How much is non-owner car insurance in Colorado's 10 biggest cities?
- How non-owner insurance rates in Colorado compare to rates in other states
- What does non-owner auto insurance cover?
- How to get non-owner auto insurance in Colorado
- Methodology
- What our expert says
- Frequently asked questions