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Non-owner auto insurance in New Jersey costs $459 per year, which is $134 more than the rest of the country on average, according to a rate analysis by Insure.com.
In New Jersey, non-owner policies are available from companies such as Selective Insurance, Travelers and Geico.
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 New Jersey.
Key Takeaways
- The average non-owner car insurance cost in New Jersey is $38 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 New Jersey pays an average of $1,145 for non-owner car insurance, whereas a 25-year-old male pays $538 a year for the same coverage.
- Selective Insurance offers most affordable rates for non-owner car insurance in New Jersey at $310.
How much does non-owner car insurance cost in New Jersey?
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 New Jersey, full coverage car insurance costs $1,902.
Alternatively, non-owner car insurance is $325 a year on average in the U.S. and $459 in New Jersey.
But various factors affect individual rates, such as where in state you live, your age and driving history and other factors.
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Which insurer offers the cheapest non-owner insurance rates in New Jersey?
In New Jersey, Selective Insurance’s non-owner insurance policy is the cheapest at $310 a year.
At $856 a year, 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 New Jersey
| Company | Average annual premium |
|---|---|
| Selective Insurance | $310 |
| Travelers | $421 |
| Geico | $447 |
| State Farm | $845 |
| Progressive | $856 |
Note that USAA only offers coverage to military members, veterans and their families.
How much is non-owner car insurance in New Jersey by age?
Older drivers have been driving longer than younger, inexperienced drivers and are less likely to be in an accident. Their rates are usually cheaper than those of younger drivers. On average, New Jersey non-owner insurance costs $451 a year for a 45-year-old, while it’s $1,145 for a 16-year-old driver.
Average non-owner auto insurance rates in New Jersey by age and gender
| Age | Rates for male drivers | Rates for female drivers |
|---|---|---|
| 16 | $1,173 | $1,117 |
| 17 | $973 | $938 |
| 18 | $898 | $865 |
| 19 | $898 | $827 |
| 20 | $820 | $782 |
| 21 | $686 | $669 |
| 22 | $657 | $643 |
| 23 | $620 | $617 |
| 24 | $587 | $592 |
| 25 | $536 | $539 |
| 30 | $479 | $483 |
| 35 | $467 | $470 |
| 40 | $451 | $468 |
| 45 | $449 | $454 |
| 50 | $463 | $445 |
| 55 | $457 | $445 |
| 60 | $457 | $454 |
| 65 | $434 | $443 |
| 70 | $466 | $472 |
| 75 | $533 | $550 |
See how non-owner car insurance prices vary in major U.S. cities
Which New Jersey cities have the cheapest non-owner car insurance?
Rates differ from city to city. Insurers consider the number of thefts, collisions and vandalism in an area when calculating rates.
Below are the cheapest and most expensive cities for non-owner car insurance in New Jersey.
The 20 New Jersey cities with the lowest non-owner auto insurance rates
| City | Non-owner car insurance rates |
|---|---|
| Avon-by-the-Sea | $339 |
| Belmar | $339 |
| Dunellen | $343 |
| Mahwah | $343 |
| Montvale | $344 |
| Park Ridge | $344 |
| Ramsey | $344 |
| Upper Saddle River | $344 |
| Beverly | $346 |
| Riverside | $346 |
| Brielle | $348 |
| Manasquan | $348 |
| Mantoloking | $348 |
| Normandy Beach | $348 |
| Point Pleasant | $348 |
| Sea Girt | $348 |
| Spring Lake Heights | $348 |
| Bordentown | $352 |
| Columbus | $352 |
| Hainesport | $354 |
The 20 New Jersey cities with the highest non-owner car insurance rates
| City | Non-owner car insurance rates |
|---|---|
| Branchville | $557 |
| Wallpack Center | $553 |
| Riverdale | $552 |
| Stockholm | $552 |
| Stanhope | $550 |
| Netcong | $550 |
| Landing | $550 |
| Hopatcong | $550 |
| Oceanville | $549 |
| Leeds Point | $549 |
| Kinnelon | $549 |
| Parsippany | $548 |
| Lake Hiawatha | $548 |
| Sparta | $546 |
| Glasser | $546 |
| Budd Lake | $546 |
| Long Valley | $545 |
| Califon | $545 |
| Oak Ridge | $544 |
| Ridgefield | $541 |
How much is non-owner car insurance in New Jersey’s 10 biggest cities?
The largest cities in New Jersey have different non-owner insurance rates. The cost of non-owner insurance in Elizabeth is the highest at $524. Bayonne has the least expensive rates of the largest cities in the state at $441.
Non-owner auto rates in New Jersey’s 10 largest cities
| 10 largest cities | Non-owner car insurance rates |
|---|---|
| Elizabeth | $524 |
| Passaic | $522 |
| Clifton | $513 |
| Newark | $513 |
| Paterson | $497 |
| Camden | $493 |
| East Orange | $493 |
| Trenton | $483 |
| Jersey City | $445 |
| Bayonne | $441 |
How non-owner insurance rates in New Jersey compare to rates in other states
Non-owner auto insurance rates also differ from state to state. New Jersey’s average non-owner insurance rate is $459 a year, higher than the $325 national average.
Non-owner car 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 car insurance in New Jersey
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
- Share 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 insurance companies with 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.
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 New Jersey?
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
Explore other insurance options in New-Jersey
- How much does non-owner car insurance cost in New Jersey?
- Which insurer offers the cheapest non-owner insurance rates in New Jersey?
- How much is non-owner car insurance in New Jersey by age?
- Which New Jersey cities have the cheapest non-owner car insurance?
- How much is non-owner car insurance in New Jersey's 10 biggest cities?
- How non-owner insurance rates in New Jersey compare to rates in other states
- What does non-owner auto insurance cover?
- How to get non-owner car insurance in New Jersey
- Methodology
- What our expert says
- Frequently asked questions