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Non-owner auto insurance in Kentucky costs $375 per year, which is $50 more than the rest of the country on average, according to a rate analysis by Insure.com.

In Kentucky, non-owner policies are available from companies such as Auto-Owners, State Farm and Shelter Insurance.

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 Kentucky.

Key Takeaways

  • The average non-owner car insurance cost in Kentucky is $31 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 Kentucky pays an average of $892 for non-owner car insurance, whereas a 25-year-old male pays $443 a year for the same coverage.
  • Auto-Owners offers most affordable rates for non-owner car insurance in Kentucky at $96.

How much does non-owner car insurance cost in Kentucky?

Insurance companies view non-owner policyholders as less of a risk due to their minimal access to a car, and therefore, it’s usually less expensive to buy non-owner insurance than full coverage auto insurance.

On average in the United States, it costs a driver with a clean driving record and good credit score $1,895 per 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 property damage. In Kentucky, full coverage car insurance costs $2,228.

Alternatively, non-owner car insurance is $325 a year on average in the U.S. and $375 in Kentucky.

But various factors affect individual rates, such as where in state you live, your age and driving history and other factors.

Which insurer offers the cheapest non-owner insurance rates in Kentucky?

Auto-Owners offers Kentucky’s least expensive non-owner insurance policy at $96 a year.

At $822 a year, the Progressive 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 Kentucky

CompanyAverage annual premium
Auto-Owners$96
State Farm$263
Shelter Insurance$391
Travelers$415
Geico$417
Allstate$640
Progressive$822
USAA$209

Note that USAA only offers coverage to military members, veterans and their families.

How much is non-owner car insurance in Kentucky 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 $892 a year for a 16-year-old and $368 for a 45-year-old in Kentucky.

Average non-owner car insurance rates in Kentucky by age and gender

AgeRates for male driversRates for female drivers
16$1,041$728
17$857$741
18$716$637
19$679$611
20$608$533
21$543$475
22$519$465
23$488$451
24$463$445
25$432$455
30$407$397
35$384$385
40$371$380
45$366$370
50$352$356
55$340$329
60$345$324
65$378$350
70$395$379
75$422$390

Which Kentucky 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 Kentucky that have the least and most expensive non-owner auto insurance rates.

The 20 Kentucky cities with the lowest non-owner auto insurance rates

CityNon-owner car insurance rates
Ulysses$262
Lowmansville$279
Lowes$285
New Castle$294
Miracle$294
Tyner$296
Eminence$299
Flat Lick$299
Smithfield$300
Walker$300
Girdler$300
Bimble$301
Gray$301
Heidrick$301
Pineville$302
Hinkle$302
Fairview$303
Arjay$305
Nicholasville$307
Waddy$308

The 20 Kentucky cities with the highest non-owner car insurance rates

CityNon-owner car insurance rates
Lookout$501
Rockhouse$501
Fords Branch$501
Benham$494
Fedscreek$492
Lackey$492
Regina$492
Allen$492
Lick Creek$491
Sidney$491
Dwale$491
Blue River$491
Oil Springs$490
Huddy$490
Melvin$490
Auxier$490
Eastern$489
Avawam$489
Shelby Gap$489
Majestic$481

How much is non-owner car insurance in Kentucky’s 10 biggest cities?

The most populous cities in Kentucky have varying non-owner insurance rates. The cost of non-owner insurance in Louisville is the most expensive at $423; Nicholasville has the cheapest rates of the largest cities in the state at $307.

Non-owner auto rates in Kentucky’s 10 largest cities

10 largest citiesNon-owner car insurance rates
Louisville$423
Jeffersonville$367
Richmond$366
Georgetown$365
Elizabethtown$356
Bowling Green$354
Florence$346
Owensboro$339
Jeffersontown$337
Covington$326
Lexington$324
Nicholasville$307

How non-owner insurance rates in Kentucky compare to rates in other states

Non-owner car insurance rates also differ from state to state. The average non-owner insurance rate in Kentucky is $375 a year, which is higher than the national average of $325.

Non-owner auto insurance rates in the 10 most populous states

StateAverage 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 Kentucky

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:

  1. Contact an auto insurance agent about the coverage
  2. Supply your basic driving history
  3. Review the information you receive on the insurers and rates
  4. Choose the policy that best meets your needs
  5. 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.

expert

What our expert says

Q: Does a non-owner policy cover damage to your car?

expert-image
Golnoush GoharzadPersonal injury attorney, California.
These policies don’t cover damage to the car you are driving, Goharzad says. “That would be covered under the car owner’s policy or possibly through optional insurance purchased from the rental agency.”

Frequently asked questions

Who needs non-owner car insurance in Kentucky?

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

Alabama$380/Year
Alaska$260/Year
Arizona$396/Year
Arkansas$266/Year
California$299/Year
Colorado$282/Year
Connecticut$395/Year
Delaware$344/Year
Florida$545/Year
Georgia$312/Year
Hawaii$395/Year
Idaho$187/Year
Illinois$279/Year
Indiana$259/Year
Iowa$153/Year
Kansas$274/Year
Louisiana$330/Year
Maine$238/Year
Maryland$438/Year
Massachusetts$445/Year
Michigan$513/Year
Minnesota$302/Year
Mississippi$321/Year
Missouri$358/Year
Montana$299/Year
Nebraska$186/Year
Nevada$346/Year
New Hampshire$318/Year
New Jersey$459/Year
New Mexico$293/Year
New York$421/Year
North Dakota$209/Year
Ohio$214/Year
Oklahoma$242/Year
Oregon$441/Year
Pennsylvania$263/Year
Rhode Island$518/Year
South Dakota$170/Year
Tennessee$363/Year
Texas$447/Year
Utah$444/Year
Vermont$296/Year
Virginia$290/Year
Washington$349/Year
West Virginia$367/Year
Wisconsin$230/Year
Wyoming$215/Year
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Leslie Kasperowicz
Managing Editor

 
  

Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at Insurance.com.

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