Non-Owner Car Insurance in New York
Numbers refreshed
Liability protection for drivers in New York who don't own a car.
- $104.the average owner liability cost each month.
- 25/50/10.the minimum liability limits.
- 3rd of 51.the most expensive state (1st = highest).
Who is non-owner insurance for?
- You don't own a car, but you often drive cars you borrow or rent.
- You have no car to insure, and the state or a court asks you to prove insurance.
- A gap in cover between cars can raise the next price, so you'd rather avoid one.
What a policy covers
A non-owner policy gives liability cover only. It must reach the 25/50/10 minimum set by New York.
If you cause a crash while driving a borrowed car, it pays other people. Repairs to the car you drive aren't covered by it. Usually, the owner's policy pays first.
How much it costs
There isn't an official average for non-owner policies. Car owners in New York pay an average of $1,243 a year for liability. Non-owner policies usually come in under that, because no car sits in your driveway day after day.
Additional car insurance topics in New York
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