Home Car insurance Non-owner car insurance Non-owner car insurance in Texas Non-owner car insurance in Texas: Which company has the cheapest rates? Residents pay an average of $447 for non-owner car insurance, but Texas Farm Bureau and Auto Club Enterprises (AAA) offer lower rates. View Carriers Please enter valid zip Compare top carriers in your area Written by Leslie Kasperowicz Leslie Kasperowicz 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. and 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. | Reviewed by Laura Longero Laura Longero Laura Longero is a content strategist and communications leader with more than 15 years of experience in content development in journalism, marketing and communications for start-ups to global companies. She started her career as a reporter and editor and honed her journalistic skills at the USA Today Network, working in several roles, as well as managing content and writing at MoneyGeek and XYZ Media. | Expert insight from Golnoush Goharzad Golnoush Goharzad Personal injury attorney, California.Go to comment | Updated on: November 14, 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 in Texas costs $447 annually, which is $122 more than the average nationally, according to an Insure.com rate analysis.In Texas, non-owner policies are available from companies such as Texas Farm Bureau, Auto Club Enterprises (AAA) and State Farm. “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.Key TakeawaysThe average non-owner car insurance cost in Texas is $37 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 Texas pays an average of $581 for non-owner car insurance, whereas a 25-year-old male pays $470 a year for the same coverage.Texas Farm Bureau offers most affordable rates for non-owner car insurance in Texas at $202.How much does non-owner auto insurance cost in Texas?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 $2,043 in Texas.Alternatively, non-owner car insurance is $325 a year on average in the United States and $447 in Texas.But actual rates are based on your age and driving history and also where in state you live. You might find interesting The best, cheapest car insurance in TexasCheapest car insurance in TexasTexas car insurance calculatorCheapest SR-22 insurance in Texas Which insurer offers the cheapest non-owner insurance rates in Texas?In Texas, Texas Farm Bureau’s non-owner insurance policy is the cheapest at $202 a year.At $911 a year, 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 TexasCompanyAverage annual premiumTexas Farm Bureau$202Auto Club Enterprises (AAA)$223State Farm$233Nationwide$563Geico$896Farmers$911USAA$212Note that USAA only offers coverage to military members, veterans and their families.How much is non-owner car insurance in Texas by age?Age is an important factor when it comes to pricing. Statistically, 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. In Texas, a 45-year-old will pay an average of $444 annually for a non-owner insurance policy compared to a 16-year-old driver who will pay an average of $581.Average non-owner car insurance rates in Texas by ageAgeRates for male driversRates for female drivers16$574$58917$525$53918$509$51819$482$48520$462$46421$484$52922$463$51023$466$49624$467$49525$464$47630$457$45635$445$45540$443$45145$442$44650$436$43955$430$43460$416$42065$439$43470$474$46275$491$483See how non-owner car insurance prices vary in major U.S. citiesAustinCharlotteChicagoColumbusDallasDenverFort WorthHoustonIndianapolisJacksonvilleLos AngelesNew YorkOklahoma CityPhiladelphiaPhoenixSan AntonioSan DiegoSan FranciscoSan JoseSeattleShow more Which Texas cities have the cheapest non-owner auto insurance?Rates differ from city to city. When insurance companies set rates, they consider the frequency of thefts, collisions and vandalism in an area.The tables below display the cities in Texas that have the least and most expensive non-owner auto insurance rates.The 20 Texas cities with the lowest non-owner auto insurance ratesCityNon-owner car insurance ratesHockley$326Highlands$339Cypress$341West University Place$341Tomball$342Fort Hancock$345Crosby$346Sierra Blanca$346Atascocita$351Hufsmith$354Huffman$355Stinnett$360Dell City$363Pecos$364Balmorhea$364Orla$364Saragosa$364Toyah$364Toyahvale$364Marfa$364The 20 Texas cities with the highest non-owner car insurance ratesCityNon-owner car insurance ratesHutchins$560Sachse$558Lancaster$552Mesquite$552University Park$550Mercedes$550Balch Springs$550Farmers Branch$549Rowlett$549Agua Dulce$548Weston Lakes$547Allen$547Irving$546DeSoto$546Plano$546Los Fresnos$545San Benito$543Alvin$542Addison$541Combes$540How much is non-owner car insurance in Texas’s 10 biggest cities?The largest cities in Texas have different non-owner insurance rates. The cost of non-owner insurance in Plano is the highest at $546. Houston has the least expensive rates of the largest cities in the state at $393.Non-owner auto rates in Texas’s 10 largest cities10 largest citiesNon-owner car insurance ratesPlano$546Dallas$523Corpus Christi$508Austin$500Fort Worth$497Arlington$484San Antonio$481El Paso$465Lubbock$463Houston$393How non-owner insurance rates in Texas compare to rates in other statesNon-owner car insurance rates also differ from state to state. The average non-owner insurance rate in Texas is $447 a year, which is higher than the national average of $325.Non-owner auto insurance rates in the 10 most populous statesStateAverage annual premiumCalifornia$299Florida$545Georgia$312Illinois$279Michigan$513New York$421North Carolina$470Ohio$214Pennsylvania$263Texas$447National Average$325What 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 TexasYour 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 coverageSupply your basic driving historyReview the information you receive on the insurers and ratesChoose the policy that best meets your needsPut down a payment to begin coverageOften, 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: 800-782-8332Geico: 800-207-7847Progressive: 888-671-4405Allstate: 800-726-6033USAA: 800-531-8722MethodologyInsure.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? 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 questionsWho needs non-owner car insurance in Texas?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 statesAlabama$380/YearAlaska$260/YearArizona$396/YearArkansas$266/YearCalifornia$299/YearColorado$282/YearConnecticut$395/YearDelaware$344/YearFlorida$545/YearGeorgia$312/YearHawaii$395/YearIdaho$187/YearIllinois$279/YearIndiana$259/YearIowa$153/YearKansas$274/YearKentucky$375/YearLouisiana$330/YearMaine$238/YearMaryland$438/YearMassachusetts$445/YearMichigan$513/YearMinnesota$302/YearMississippi$321/YearMissouri$358/YearMontana$299/YearNebraska$186/YearNevada$346/YearNew Hampshire$318/YearNew Jersey$459/YearNew Mexico$293/YearNew York$421/YearNorth Carolina$470/YearNorth Dakota$209/YearOhio$214/YearOklahoma$242/YearOregon$441/YearPennsylvania$263/YearRhode Island$518/YearSouth Carolina$368/YearSouth Dakota$170/YearTennessee$363/YearUtah$444/YearVermont$296/YearVirginia$290/YearWashington$349/YearWest Virginia$367/YearWisconsin$230/YearWyoming$215/YearShow more Explore other insurance options in Texas Average car insurance cost in Texas Average renters insurance cost in Texas Average homeowners insurance cost in Texas Leslie KasperowiczManaging 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. In case you missed it Best Car Insurance Companies of 2024 Car insurance rates by state in 2024 What is full coverage car insurance? How much does car insurance cost for seniors in 2024? A complete guide to adding a teenager to your car insurance policy in 2024 What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? Used car insurance costs: Most and least expensive models to insure The Best Car Insurance for Bad Credit of 2021 The best car insurance companies for speeding tickets Car insurance after a DUI Guide to car insurance discounts Proper insurance coverage for college-bound children How to read your auto insurance policy A complete list of car insurance companies New driver insurance grace period: What you need to know How much do insurance agents make? Autonomous cars: 5 delightful and 5 distressing things Busted! 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 does non-owner auto insurance cost in Texas?Which insurer offers the cheapest non-owner insurance rates in Texas?How much is non-owner car insurance in Texas by age?Which Texas cities have the cheapest non-owner auto insurance?How much is non-owner car insurance in Texas's 10 biggest cities?How non-owner insurance rates in Texas compare to rates in other statesWhat does non-owner auto insurance cover?How to get non-owner auto insurance in TexasMethodologyWhat our expert saysFrequently asked questions ZIP Code Please enter valid ZIP See rates