Non Owners Insurance Guide

Non-Owners Insurance in Missouri: A Complete Guide for Smart Coverage

Discover the ideal coverage with A Plus Insurance, your go-to brokerage for Non-Owners Insurance in Missouri. Call us now for a free quote and expert guidance tailored to your needs!

Missouri State Liability Requirements

Required Liability Coverage:
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$25,000 property damage liability per accident
Uninsured Motorist Coverage: 25/50/25

Understanding Non Owners Insurance Missouri: A Basic Guide

When it comes to Non-Owners Insurance in Missouri, it’s a unique but essential policy for those who don’t own a vehicle but still need to maintain auto insurance. This type of insurance is perfect for individuals who frequently rent cars or borrow vehicles from friends or family. Non-Owners Insurance in Missouri provides liability coverage, which includes protection against damages or injuries you might cause to others while driving. However, it’s important to note that it doesn’t cover damages to the vehicle you’re driving or your personal injuries.

In Missouri, this insurance is a smart choice for maintaining continuous coverage, which can be beneficial for your insurance history and future premiums. If you’re in between cars or just prefer not to own one, Non-Owners Insurance ensures you’re covered when you do need to drive. Rates for this insurance can vary, so it’s advisable to check with reliable carriers like Progressive, Dairyland, and National General to find the best fit for your needs.

Identifying Who Needs Non-Owners Insurance in Missouri

  1. Frequent Renters: Individuals who frequently rent cars or use car-sharing services in Missouri but don’t own a vehicle themselves can benefit from Non-Owners Insurance.
  2. Occasional Drivers: If you occasionally drive a friend or family member’s car and want liability coverage, Non-Owners Insurance provides that necessary protection.
  3. Those Considering Car Ownership: Individuals in Missouri planning to buy a car in the near future might want continuous insurance coverage, making Non-Owners Insurance a viable option until they purchase a vehicle.
  4. Drivers Needing SR-22 Filings: For those who need an SR-22 due to past violations, Non-Owners Insurance could fulfill state requirements while not owning a vehicle.
  5. Individuals Using Ride-Sharing Services: If you drive for ride-sharing companies in Missouri, having Non-Owners Insurance ensures coverage when driving for business purposes.

Understanding these scenarios helps determine if Non-Owners Insurance in Missouri is a beneficial choice based on individual circumstances and driving needs.

Comparison of Non-Owners Insurance Rates in Missouri (Estimated)

Insurance CompanyAverage Monthly Rate ($)Coverage Limit
Progressive$40 – $60Varies
Dairyland$50 – $70Varies
Travelers$45 – $65Varies
Gainsco$60 – $80Varies
Assurance$55 – $75Varies
National General$50 – $70Varies
Bristol West$55 – $75Varies
Mendota$60 – $80Varies
The General$50 – $70Varies
Suncoast$45 – $65Varies

Rates may vary based on multiple factors, including driving history and coverage options. These estimates can help assess potential costs from various insurance carriers for Non-Owners Insurance in Missouri.

Exploring Liability Only Coverage Options with Non-Owners Insurance in Missouri

Liability Only Thumbnail Video
2024 Non owners insurance Missouri

In Missouri, Non-Owners Insurance is a tailored solution for those who don’t own a car but occasionally find themselves behind the wheel. This type of policy primarily offers liability only coverage, safeguarding you against the financial consequences of damaging someone else’s vehicle or property, or injuring someone in an accident. It’s essential for those who borrow cars, use car-sharing services, or rent vehicles frequently. This coverage is crucial for maintaining continuous insurance coverage, which can be beneficial for your future insurance endeavors.

While the base of Non-Owners Insurance is liability coverage, you might wonder about additional options. In Missouri, depending on the insurer, you can often add coverages like uninsured/underinsured motorist coverage, which protects you in accidents involving drivers without adequate insurance, and medical payments coverage, which helps with medical expenses regardless of fault. It’s important to consult with carriers like Progressive, Dairyland, and National General for specific offerings and rates in Missouri.

Additional Coverage Options for Liability Only Policies:

  • Uninsured/Underinsured Motorist Coverage: Protects you in accidents with inadequately insured drivers.
  • Medical Payments Coverage: Assists with medical expenses after an accident.
  • Personal Injury Protection (PIP): Covers medical expenses and, in some cases, lost wages and other damages.
  • Roadside Assistance: Provides help for breakdowns, flat tires, or similar roadside emergencies.

Sample Rates for Enhanced Non-Owners Insurance in Missouri:

Insurance CarrierBasic Liability Only (Estimate)Enhanced Coverage (Estimate)
Progressive$45/month$55/month
Dairyland$40/month$50/month
National General$50/month$60/month

Factors Influencing Non Owners Insurance Rates in Missouri

Each factor plays a role in determining Non Owners Insurance Missouri rates, and considering these can help in managing premium costs effectively.

  1. Driving Record: Your driving history significantly impacts Non-Owners Insurance rates. Accidents, tickets, or DUIs may elevate premiums.
  2. Coverage Limits: Higher coverage limits usually lead to higher premiums, as they increase the insurer’s liability risk.
  3. Credit Score: In many states, including Missouri, credit history affects insurance rates. A higher credit score often correlates with lower premiums.
  4. Age and Gender: Younger or inexperienced drivers generally face higher rates. Additionally, statistically, males tend to pay higher premiums than females.
  5. Location: Urban areas might have higher rates due to increased traffic density and theft rates compared to rural regions.
  6. Insurance Claims: Previous claims or lapses in coverage could result in increased premiums.
  7. Vehicle Usage: The frequency of driving and the purpose, such as business use, can impact rates.
  8. Insurance Carrier: Different insurers assess risk differently, leading to varying premium rates for similar coverage.
  9. Discounts: Some carriers offer discounts for factors like bundling policies or completing defensive driving courses.

Understanding these factors helps in evaluating and potentially influencing Non-Owners Insurance Rates in Missouri.

Factors Influencing Non-Owners Insurance Rates

FactorInfluence on Rates
Driving RecordHigh impact
Coverage LimitsHigh impact
Credit ScoreModerate impact
Age and GenderModerate impact
LocationModerate impact
Insurance ClaimsModerate impact
Vehicle UsageModerate impact
Insurance CarrierModerate impact
DiscountsModerate impact

Comparing Non Owners Insurance and Regular Auto Insurance in Missouri

Non-Owners Insurance covers liability if you drive occasionally but don’t own a car. It provides basic coverage for damages you cause while driving a borrowed or rented vehicle. In contrast, Regular Auto Insurance is for owned vehicles, offering broader coverage like collision and comprehensive protection.

Insurance TypeCoverage
Non-Owners InsuranceLiability while driving non-owned cars
Regular Auto InsuranceFull coverage for owned vehicles

Both insurances serve distinct purposes. Non-Owners Insurance suits individuals without personal vehicles, while Regular Auto Insurance is essential for owned vehicles, providing comprehensive coverage beyond basic liability. Understanding their differences helps in selecting the right coverage for your needs in Missouri.

Analyzing Non Owners Insurance Rates and Discounts in Missouri

Non Owners Insurance Missouri policies rates vary based on individual factors like driving history, location, and coverage needs. Factors such as driving record, age, location, and credit score can influence rates significantly. Various discounts are available, including multi-policy discounts, safe driver discounts, and paid-in-full discounts. Insurance carriers often provide savings for bundling policies, maintaining a good driving record, and paying premiums in advance.

Discounts Available for Non-Owners Insurance in Missouri:

  • Multi-Policy Discounts
  • Safe Driver Discounts
  • Paid-in-Full Discounts
  • Good Student Discounts
  • Defensive Driving Course Discounts

Understanding these factors and available discounts helps in optimizing Non-Owners Insurance rates in Missouri to suit individual needs and save on premiums.

Non Owners Insurance in Missouri vs. Broad Form Car Insurance: Differences Explained

When exploring Non-Owners Insurance in Missouri, it’s crucial to understand how it differs from Broad Form Car Insurance, a type that is not offered in Missouri. Non-Owners Insurance is designed for individuals who don’t own a vehicle but occasionally drive. It primarily provides liability coverage for damages or injuries caused to others while you’re driving a borrowed or rented car. This insurance is ideal for those using car-sharing services, renting cars, or borrowing a friend’s vehicle.

On the other hand, Broad Form Car Insurance, which isn’t available in Missouri, typically covers any vehicle driven by the named insured. This can be more expansive but is not necessary for Missouri residents. It’s essential to choose the right kind of coverage based on your specific needs and state regulations. Our partners, including Progressive, Dairyland, and National General, offer competitive Non-Owners Insurance options tailored to meet these unique requirements.

Key Differences:

  • Non-Owners Insurance:
    • Offers liability coverage for non-vehicle owners.
    • Suitable for occasional drivers.
    • Ideal for borrowed or rented vehicle usage.
  • Broad Form Car Insurance:
    • Covers any vehicle driven by the policyholder.
    • Not offered in Missouri.

Debunking Common Misconceptions About Non-Owners Insurance in Missouri

These clarifications help understand the true purpose and coverage scope of non-owners insurance in Missouri, avoiding common misunderstandings:

  1. Myth: “Non-owners insurance is unnecessary if I don’t own a car.”
    • Fact: Non-owners insurance provides liability coverage when driving a borrowed or rented vehicle. It fills gaps where the vehicle owner’s policy might not cover you adequately.
  2. Myth: “Non-owners insurance is costlier than regular auto insurance.”
    • Fact: Non-owners insurance is typically more affordable as it offers liability coverage only, without comprehensive or collision coverage. Rates are influenced by driving history, location, and coverage needs.
  3. Myth: “Non-owners insurance covers all vehicles I drive.”
    • Fact: Non-owners insurance doesn’t cover vehicles owned by household members or regularly used vehicles. It’s specifically for occasional or rental vehicles.

The Role of Non Owners Insurance Missouri in SR22 Compliance

In Missouri, Non Owners Insurance serves a vital role, especially for those required to file an SR22 form. Often necessitated after certain traffic violations like a DUI or driving without insurance, an SR22 is not a type of insurance but a certification of financial responsibility. If you don’t own a car but need to fulfill this requirement, Non Owners Insurance is your go-to option. This policy provides the necessary liability coverage to comply with state laws, proving that you carry the minimum insurance coverage required in Missouri.

Choosing the right insurer is crucial in these scenarios. Our partners, including Progressive, Dairyland, and National General, offer competitive rates for Non Owners Insurance with SR22 filings. While rates vary, this insurance generally remains an affordable choice for maintaining legal compliance without the burden of owning a car.

Essential Points about SR22 with Non Owners Insurance:

  • Legal Requirement Fulfillment: Meets Missouri’s SR22 certification needs.
  • Liability Coverage: Provides essential coverage without owning a vehicle.
  • Cost-Effective: Often more affordable than standard auto insurance.

Estimated Rates for Non Owners Insurance with SR22 in Missouri:

Insurance CarrierEstimated Monthly Rate
Progressive$55/month
Dairyland$50/month
National General$60/month

SR22 Insurance Process

01.

Consultation​

We gather detailed information, ensuring you have all the facts before making a decision.

02.

Quote

Receive your SR22 insurance quote, customized to your unique needs and credit profile

03.

Filing

We work closely with the insurance carrier to ensure that the sr22 is filed with the state

04.

Policy Management

Our policy service doesn’t end once the documents are signed. We’re here for you, month to month.

Scenarios Where Non-Owners Insurance May Not Be Issued in Missouri

There are instances where you might not qualify for a non owners insurance Missouri policy. Understanding these situations helps navigate expectations when seeking non-owners insurance in Missouri:

  1. Driving History: Non-owners insurance might not be offered if you have a poor driving record with multiple violations or recent major infractions.
  2. Regular Vehicle Use: If you have regular access to a vehicle, whether owned by a family member or shared, insurers might not issue non-owners insurance as it’s meant for occasional use.
  3. Unpaid Premiums or Lapses: Insurance companies might deny coverage if you have a history of unpaid premiums or if your policy lapsed due to non-payment.
  4. High-Risk Locations: In high-risk areas where insurers have limited coverage options, non-owners policies might not be available due to increased liability concerns.
  5. Specific Exclusions: Certain insurers may exclude coverage for particular scenarios, such as driving for business purposes or using specific vehicle types, impacting the issuance of non-owners insurance.

Missouri’s State Minimum Liability Requirements

When considering Non-Owners Insurance in Missouri, it’s essential to be aware of the state’s minimum liability requirements. These are the legal minimums you must have to drive legally in the state. Missouri mandates that all drivers, including those with Non-Owners Insurance, carry liability insurance to cover potential damages or injuries you might cause to others in an accident. Specifically, the coverage must include bodily injury liability per person and per accident, as well as property damage liability.

Understanding these requirements is crucial because, even without owning a car, you’re still responsible for meeting these legal standards when driving. Opting for Non-Owners Insurance ensures you adhere to these laws, providing peace of mind whether you’re borrowing a friend’s car or renting a vehicle. Our partners, such as Progressive, Dairyland, and National General, offer policies that fulfill these criteria, ensuring compliance and security.

Missouri’s Minimum Liability Coverage Requirements:

  • Bodily Injury Liability Per Person: $25,000
  • Bodily Injury Liability Per Accident: $50,000
  • Property Damage Liability: $25,000
  • Uninsured Motorist Coverage:
    • Bodily Injury Liability Per Person: $25,000
    • Bodily Injury Liability Per Accident: $50,000
    • Property Damage Liability: $25,000

Key Points:

  • Legal Compliance: Meets the mandatory insurance laws of Missouri.
  • Essential Coverage: Covers liabilities for bodily injuries and property damage.
  • Flexible Policies: Available from various carriers, offering different rates.

Non-Owners Insurance Rates Across Missouri’s Top Cities

If you’re in Missouri and considering Non-Owners Insurance, it’s insightful to know how rates can vary across different cities. In bustling metros like Kansas City or St. Louis, you might find slightly higher rates due to the increased traffic density and urban risks. In contrast, cities like Springfield, Columbia, or Jefferson City, with their more moderate traffic and lower risk profiles, typically offer more affordable rates. These variations reflect the diverse driving environments and risk factors inherent to each city.

To give you a clearer understanding, let’s look at estimated Non-Owners Insurance rates from carriers we partner with, such as Progressive, Dairyland, and National General. Keep in mind, these rates are estimates and can fluctuate based on your specific driving history and the city’s risk factors.

Estimated Non-Owners Insurance Rates in Missouri’s Major Cities:

CityProgressive (Estimate)Dairyland (Estimate)National General (Estimate)
Kansas City$55/month$50/month$60/month
St. Louis$57/month$52/month$62/month
Springfield$45/month$40/month$50/month
Columbia$47/month$42/month$52/month
Jefferson City$46/month$41/month$51/month

Here’s a breakdown of how local factors might contribute to insurance rate differences across some of Missouri’s major cities:

  1. Kansas City:
    • Higher Traffic Volume: As a major metropolitan area, Kansas City experiences significant traffic, leading to a higher risk of accidents and thus, potentially higher insurance rates.
    • Urban Crime Rates: Urban areas tend to have higher crime rates, including vehicle thefts and vandalism, which can impact insurance costs.
  2. St. Louis:
    • Dense Urban Environment: Similar to Kansas City, St. Louis’ urban density can lead to increased risk of accidents and theft, impacting insurance premiums.
    • Variability in Neighborhood Risk: Different neighborhoods in St. Louis may have varying risk profiles, affecting insurance rates within the city.
  3. Springfield:
    • Lower Traffic Congestion: Springfield, being smaller than Kansas City and St. Louis, typically has less traffic congestion, which might contribute to lower accident rates and, consequently, more favorable insurance premiums.
    • Moderate Urban Risks: The risks associated with urban environments are present but not as pronounced as in larger cities, potentially leading to lower insurance costs.
  4. Columbia:
    • University Town Dynamics: Home to the University of Missouri, Columbia’s population fluctuates with the academic calendar, which can impact traffic patterns and insurance risks.
    • Young Driver Population: The presence of a large number of young drivers (students) could affect accident rates and thus influence insurance premiums.
  5. Jefferson City:
    • State Capital Factors: As Missouri’s capital, Jefferson City has a mix of governmental and residential areas, potentially affecting traffic patterns and accident risks differently.
    • Lower Crime Rates: Typically, lower crime rates compared to larger cities could contribute to more favorable non-owners insurance rates.

These city-specific factors, such as traffic volume, crime rates, and demographic dynamics, play a significant role in determining auto insurance rates across Missouri’s different urban areas. Understanding these can help consumers make more informed decisions about their auto insurance needs.

Car Icon

Don’t give up…we can help you find affordable rates, need an SR-22? We got you!

House Icon

Homeowners, renters, and mobile home owners: make sure you have the protection you need.

Motorcycle Icon 2

Motorcycles, RVs, ATVs, life insurance, you name it…we can help!

Why Would I Need An SR22?

An SR-22 is a certificate proving you have the required liability coverage, often mandated after serious driving offenses. Reasons for needing one include DUI convictions, multiple traffic violations, or driving without insurance.

DUI Conviction
Traffic Offenses
No Insurance
License Suspension
Accident Involvement
Reckless Driving

How to Get a Free Quote for Non Owners Insurance in Missouri

01.

Contact Us​

Start by reaching out to us, either online, by phone, or in person. Provide basic personal and vehicle information to initiate the quote process.

02.

Details

Provide more detailed information about your driving history, the vehicle you wish to insure, and any specific coverage needs or preferences you have

03.

Quote

We will process your information and present you with a customized insurance quote, outlining coverage options and prices tailored to your needs.

04.

Decision

Review the provided quote at your leisure. If you decide to proceed, you can finalize the policy, setting up payment and coverage start dates.

Frequently Asked Questions about Non Owners Insurance Missouri Policies


What is Non-Owners Insurance in Missouri?

Non-Owners Insurance in Missouri is a type of insurance policy designed for individuals who do not own a vehicle but still need liability coverage. It covers damages or injuries you might cause to others while driving a borrowed or rented car. This insurance is crucial for those who frequently rent vehicles or use car-sharing services.

Who should consider getting Non-Owners Insurance in Missouri?

Individuals in Missouri who don’t own a car but occasionally drive should consider Non-Owners Insurance. This includes those who rent cars often, borrow vehicles from friends or family, or use car-sharing services. It’s also a good option for maintaining continuous insurance coverage, which can be beneficial for future insurance rates and requirements.

How can I get more information or a quote for Non-Owners Insurance in Missouri?

For more detailed information or to get a quote for Non-Owners Insurance in Missouri, please call us at 1.888.445.2793. Our team of experienced agents will help you understand your options and find the best coverage to meet your needs.
Here’s What Our Clients Say About Us​

Last Updated on by Camron Moss

Spread the love
Scroll to Top