Progressive vs. State Farm: Comparing Non-Owner Car Insurance

When it comes to car insurance, most people think of policies for vehicle owners. But what if you frequently drive cars you don’t own? Whether you’re renting, borrowing, or using car-sharing services, non-owner car insurance can be a lifesaver. Two of the biggest names in the industry—Progressive and State Farm—offer this type of coverage, but how do they stack up against each other?

What Is Non-Owner Car Insurance?

Non-owner car insurance is designed for drivers who don’t own a vehicle but still need liability coverage when they operate someone else’s car. This type of policy typically includes:

• Bodily injury liability – Covers medical expenses if you injure someone in an accident.
• Property damage liability – Pays for damage you cause to another person’s property.
• Uninsured/underinsured motorist coverage – Protects you if the at-fault driver lacks sufficient insurance.

Unlike standard auto insurance, non-owner policies usually don’t include collision or comprehensive coverage since you don’t own the car.

Why Non-Owner Car Insurance Matters in Today’s World

With the rise of the gig economy, remote work, and urban living, fewer people are committing to car ownership. Instead, many rely on:

• Ridesharing (Uber, Lyft) – Some drivers use personal vehicles but may need supplemental coverage.
• Car rentals – Frequent travelers might not want to rely solely on rental company insurance.
• Peer-to-peer car sharing (Turo, Getaround) – Borrowing cars from private owners requires proper protection.

Additionally, if you have a lapse in car ownership but still drive occasionally, non-owner insurance keeps you legally covered and may prevent higher premiums when you buy a car later.

Progressive Non-Owner Car Insurance: Pros and Cons

Coverage Options

Progressive is known for its flexible policies and competitive pricing. Their non-owner insurance includes:

• Standard liability coverage
• Optional medical payments coverage
• Rental reimbursement (in some states)

Pricing and Discounts

Progressive often offers lower rates than traditional insurers, especially for high-risk drivers. Discounts may include:

• Multi-policy discount – Bundling with renters or homeowners insurance.
• Continuous insurance discount – Rewards those who maintain coverage without gaps.
• Pay-in-full discount – Save by paying the entire premium upfront.

Drawbacks

• Limited availability – Not offered in all states.
• No collision/comprehensive – Unlike State Farm, Progressive doesn’t offer these for non-owner policies.

State Farm Non-Owner Car Insurance: Pros and Cons

Coverage Options

State Farm provides robust liability coverage and a few unique perks:

• Standard bodily injury and property damage liability
• Uninsured/underinsured motorist protection
• Optional roadside assistance (rare for non-owner policies)

Pricing and Discounts

State Farm tends to be pricier but offers stability and strong customer service. Discounts include:

• Good driver discount – For those with a clean record.
• Drive Safe & Save™ – Uses telematics to reward safe driving habits.
• Multiple line discount – Savings when bundling with other State Farm products.

Drawbacks

• Higher premiums – Typically more expensive than Progressive.
• Stricter eligibility – May not cover high-risk drivers as easily.

Key Differences Between Progressive and State Farm

| Feature | Progressive | State Farm |
|-----------------------|---------------------------------|--------------------------------|
| Average Cost | Generally cheaper | More expensive |
| Coverage Flexibility | Basic liability only | Optional roadside assistance |
| Discounts | Multi-policy, pay-in-full | Safe driver, telematics-based |
| Availability | Limited in some states | Nationwide |

Which One Should You Choose?

The best choice depends on your needs:

• Budget-conscious drivers – Progressive may offer better rates.
• Those wanting extra perks – State Farm’s roadside assistance is a plus.
• High-risk drivers – Progressive is often more lenient.
• Long-term customers – State Farm’s loyalty rewards may pay off.

Final Thoughts

Both Progressive and State Farm provide solid non-owner car insurance options, but their strengths cater to different drivers. Evaluate your driving habits, budget, and coverage needs before deciding.

(Note: Always check state-specific regulations, as non-owner insurance requirements vary.)