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Non-owner auto insurance in Rhode Island costs $476 annually, which is $123 more than the national average, according to a 2023 rate analysis by Insure.com.
In Rhode Island, non-owner policies are available from companies such as American Family, Travelers and Nationwide.
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 Rhode Island.
How much does non-owner car insurance cost in Rhode Island?
Insurers view non-owner policyholders as less of a risk due to their minimal access to a vehicle, and therefore, it’s usually cheaper to buy non-owner insurance than full coverage car insurance.
On average in the United States, it costs a driver with a clean driving record and good credit score $1,682 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 any damages to property. In Rhode Island, full coverage car insurance costs $1,717.
On the other hand, non-owner auto insurance costs $353 a year on average in the U.S. and $476 in Rhode Island.
But various factors affect individual rates, such as where in Rhode Island you live, your age and driving history and other factors.
Which insurer offers the cheapest non-owner insurance rates in Rhode Island?
With an average annual cost of $173, USAA’s non-owner insurance policy is Rhode Island’s most affordable.
At $809 a year, Progressive charges the highest rate for non-owner insurance in the state.
To find the best price, compare quotes from different insurance companies. Below is a list of the cheapest non-owner insurance available in the state.
Cheapest non-owner insurance rates in Rhode Island
| Company | Average annual premium |
|---|---|
| USAA | $173 |
| Geico | $271 |
| American Family | $382 |
| Travelers | $471 |
| Nationwide | $747 |
Note that USAA only offers coverage to military members, veterans and their families.
 | Pretected
| Get a Quote |
How much is non-owner car insurance in Rhode Island 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 less expensive than those of younger drivers. On average, Rhode Island non-owner insurance costs $480 a year for a 45-year-old, while it’s $1,689 for a 16-year-old driver.
Average non-owner car insurance rates in Rhode Island by age and gender
| Age | Male | Female |
|---|---|---|
| 16 | $1,738 | $1,640 |
| 17 | $1,735 | $1,620 |
| 18 | $1,484 | $1,393 |
| 19 | $995 | $948 |
| 20 | $914 | $889 |
| 21 | $696 | $686 |
| 22 | $657 | $660 |
| 23 | $615 | $617 |
| 24 | $584 | $589 |
| 25 | $517 | $530 |
| 30 | $489 | $503 |
| 35 | $482 | $497 |
| 40 | $476 | $487 |
| 45 | $474 | $486 |
| 50 | $466 | $476 |
| 55 | $471 | $475 |
| 60 | $476 | $480 |
| 65 | $518 | $526 |
| 70 | $514 | $522 |
| 75 | $528 | $534 |
Which Rhode Island cities have the cheapest non-owner auto insurance?
There’s a great deal of variation from city to city when it comes to rates. When insurance companies set rates, they consider the frequency of thefts, collisions and vandalism in an area.
Below are the cheapest and most expensive cities for non-owner car insurance in Rhode Island.
The 20 Rhode Island cities with the lowest non-owner auto insurance rates
| Cities in Rhode Island | Lowest non-owner car insurance rates |
|---|---|
| Melville | $364 |
| Misquamicut | $374 |
| Little Compton | $375 |
| Newport | $375 |
| Block Island | $380 |
| Charlestown | $380 |
| Bradford | $387 |
| Jamestown | $387 |
| Ashaway | $392 |
| Hope Valley | $392 |
| Shannock | $399 |
| Wyoming | $399 |
| Wood River Junction | $400 |
| Carolina | $401 |
| Wakefield | $401 |
| Hopkinton | $402 |
| Narragansett | $403 |
| Tiverton | $404 |
| Kingston | $408 |
| Woonsocket | $452 |
The 20 Rhode Island cities with the highest non-owner car insurance rates
| Cities in Rhode Island | Highest non-owner car insurance rates |
|---|---|
| Providence | $633 |
| North Providence | $612 |
| Cranston | $589 |
| Pawtucket | $580 |
| Johnston | $575 |
| Central Falls | $566 |
| Riverside | $533 |
| Rumford | $533 |
| East Providence | $524 |
| Adamsville | $521 |
| West Warwick | $516 |
| Peace Dale | $515 |
| Forestdale | $511 |
| Slocum | $511 |
| Warwick | $507 |
| East Greenwich | $491 |
| Warren | $477 |
| Lincoln | $473 |
| Hope | $472 |
| Greenville | $469 |
How much is non-owner car insurance in Rhode Island’s 10 biggest cities?
The largest cities in Rhode Island have varying non-owner insurance rates. The cost of non-owner insurance in Providence is the most expensive at $633, while Melville has the cheapest rates of the largest cities in the state at $364.
Non-owner auto rates in Rhode Island’s 10 largest cities
| 10 largest cities in Rhode Island | Non-owner car rates |
|---|---|
| Providence | $633 |
| Cranston | $589 |
| Pawtucket | $580 |
| Central Falls | $566 |
| East Providence | $524 |
| Warwick | $507 |
| Woonsocket | $452 |
| Newport | $375 |
| Misquamicut | $374 |
| Melville | $364 |
How non-owner insurance rates in Rhode Island compare to rates in other states
Non-owner auto insurance rates also differ from state to state. The average non-owner insurance rate in Rhode Island is $476 a year, which is more than the national average of $353. South Dakota is the least expensive at $170 annually, followed by Idaho at $190 a year and Iowa at $193 a year.
Non-owner car insurance rates in the 10 most populous states
| State | Average annual premium |
|---|---|
| North Carolina | $926 |
| Florida | $759 |
| New York | $578 |
| Michigan | $574 |
| Texas | $408 |
| Illinois | $385 |
| Georgia | $373 |
| National Average | $353 |
| Pennsylvania | $337 |
| California | $323 |
| Ohio | $230 |
How to get non-ownercar insurance in Rhode Island
To get a non-owner policy, you’ll need your driver’s license number and a credit or debit card.
To purchase a policy, follow these steps:
- Contact an auto insurance agent about the coverage
- Supply 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.
For a non-owner auto insurance policy, you’ll have to call an insurance company rather than go online for a quote.
“Before you buy, phone several insurers and request free car insurance quotes to make sure you pay the lowest price,” says Bruce Mohr, senior investment advisor and credit consultant at Fair Credit, a consumer-credit service and consulting company.
Below are some 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.
