Non-Owner Car Insurance in Michigan
Figures updated
Liability coverage for Michigan drivers who don't own a car.
- owner liability averages $69 each month.
- the minimum liability limits are 50/100/10.
- 11th of 51most expensive state (1st = highest)
Who non-owner insurance works for
- You often use borrowed or rented cars but don't own one.
- Michigan asks you for a financial-responsibility insurance certificate. Your insurer files it with the Michigan Department of State, and you have no car to insure.
- Leaving a gap in cover between cars can raise the next price, so you want to avoid it.
What this covers
Liability is the only coverage in a non-owner policy. Michigan requires coverage that meets the 50/100/10 minimum.
If you cause a crash while driving a borrowed car, the policy pays other people. The policy won't repair the car you drive; usually the owner's policy pays first.
What you pay
No official average is available for non-owner insurance. For car owners in Michigan, the yearly liability average is $831. Non-owner policies usually cost less because your driveway doesn't hold a car every day.
Learn more about Michigan car insurance
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