State-level pricing for non-owner policies varies by a factor of six. The drivers are structural rather than personal: whether the state is no-fault, how high the minimum limits are, how much litigation the market carries, and how many drivers are uninsured. The table below is a 2026 snapshot for a 35-year-old driver with a clean record and minimum limits.
The cheap tier: $330–$480 a year
Ohio, Idaho, Maine, Iowa, Wisconsin, Vermont and Virginia cluster at the bottom. All are at-fault states with modest minimum limits, low litigation volume and relatively few uninsured drivers.
Ohio is the cheapest large market at about $340 a year. Maine and Vermont are close behind, reflecting low population density and low claim frequency.
The middle tier: $500–$900
Texas, Georgia, Illinois, Pennsylvania, North Carolina and Tennessee sit here. Minimum limits of 25/50 or 30/60, at-fault systems, and metro territories that pull the average up.
Within this tier, the city-suburb gap is often larger than the state-to-state gap: Dallas costs about 40% more than a rural Texas county for identical coverage.
| State | Annual non-owner premium | System |
|---|---|---|
| Ohio | $340 | At-fault |
| Idaho | $355 | At-fault |
| Maine | $370 | At-fault |
| Texas | $520 | At-fault, 30/60/25 |
| Georgia | $610 | At-fault, 25/50/25 |
| Illinois | $680 | At-fault, mandatory UM |
| Pennsylvania | $720 | Choice no-fault, 15/30/5 |
| California | $760 | At-fault, 15/30/5 |
| New York | $1,240 | No-fault, 25/50/10 + PIP |
| Florida | $1,480 | No-fault, PIP 10k |
| Michigan | $1,620 | No-fault, PIP |
| Louisiana | $1,780 | At-fault, high litigation |
The expensive tier: $1,100–$2,200
Florida, Michigan, Louisiana, New York and Nevada lead. Florida combines mandatory PIP with the highest litigation load in the country; Michigan has unlimited PIP for life on policies written before 2019 reforms; Louisiana has a unusually litigious claims environment; New York adds mandatory PIP and UM.
In these states the non-owner product can cost more than a minimum-limit owner policy in Ohio. That is not a pricing error — it is the cost of the state’s claims environment.
No-fault versus at-fault
Every no-fault state appears in the middle or expensive tier. PIP is a first-party benefit with high utilization, and utilization drives premium. At-fault states with low PIP penetration price non-owner liability more cheaply because fewer claims are paid without a fault determination.
What to do with this table
Use it to sanity-check a quote, not to predict one. Your premium will also reflect credit tier (where allowed), prior coverage, vehicle usage, and whether an SR-22 is required. A quote 30% above the state average usually has an identifiable cause.
- The cheapest states price non-owner cover at roughly $340 a year.
- No-fault states occupy the entire expensive tier.
- Within a state, metro territory can add 40–110%.
- A quote far above the state average usually has a specific cause.
A non-owner policy does not travel cheaply. If you are relocating from Ohio to Florida, expect the premium to more than triple on the same limits and record.
Key takeaways
- Non-owner premiums vary sixfold across states.
- No-fault rules and litigation volume explain most of the spread.
- Metro territory pricing often exceeds the state-to-state difference.
- Re-shop whenever you change state or zip code.
