Non-Owner Auto Insurance Coverage

Non-owner auto insurance is for drivers who do not own their own cars but borrow one or rent one occasionally. Usually, non-owner auto insurance is cheaper than regular coverage, but not all car insurance companies sell it, so you will have to check around. To find the best policy for you, compare online non-owner auto insurance quotes.

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jul 16, 2021

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  • Non-owner auto insurance is for drivers who don’t own their own cars and borrow or rent cars often
  • Many major companies will offer non-owner car insurance
  • Non-owner insurance is liability-only coverage, but you can usually add additional coverages like personal injury protection

Non-owner auto insurance is for drivers who don’t have their own car, borrow or rent vehicles sometimes, don’t drive often, and aren’t covered under another auto insurance policy.

It’s possible to find affordable non-owner auto insurance if you shop around. Compare quotes from top-rated companies to find cheap non-owner car insurance.

Compare non-owner auto insurance quotes now by entering your ZIP code.

What is non-owner auto insurance?

Did you know that you can get auto insurance without a car?

Non-owner auto insurance is exactly as it sounds. It provided car insurance coverage and liability for borrowed cars. This includes borrowing a car from a friend or even renting a car.

If you are at-fault in an accident, this form of insurance will cover physical injury and property damage to the other driver. Since the policy is not for a single vehicle, it would not cover damage to the car you are driving.

Depending on your auto insurance company, you can also sometimes add coverages to your non-owner policy This would include personal injury protection and uninsured/underinsured motorist, and rental car liability coverages.

Non-owner auto insurance also won’t cover anyone else. So if you are married, your spouse or children would have to get their own coverage. A non-owner policy doesn’t extend to other drivers.

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Who needs non-owner auto insurance?

Non-owner auto insurance is for someone who doesn’t own a car. Some scenarios where you might need a non-owner policy are:

  • You often borrow a car from someone that doesn’t live with you
  • You rent cars often
  • You use a car-sharing service
  • You sold your car or won’t be driving for an extended period of time, like a deployment
  • You need SR-22 insurance and the non-owners SR-22 is cheaper

Although auto insurance from the owner would usually protect you if you borrow a car and get into an accident, you may want to have your own policy. That way, you know exactly what you have coverage for.

If you buy your own car or borrow a car from someone who lives with you, you shouldn’t get this coverage. You will automatically be protected under their insurance by permissive use, according to NOLO.

If you only use a company vehicle for business purposes, you will also not need non-owner auto insurance.

Often, in lieu of temporary coverage, a non-owner policy may be used, particularly if you need insurance for a longer period of time.

How much does non-owner auto insurance cost?

Non-owner auto insurance is generally less than the same coverage in a standard policy. It makes sense for car insurance providers to charge less because drivers with a non-owner policy usually drive less.

There aren’t non-owner auto insurance companies that only offer that coverage.

However, there are many different companies that offer non-owner car insurance, including the major ones. You can get non-owner car insurance from GEICO and Progressive, for example. Allstate doesn’t sell non-owner auto insurance, though.

Shop around and compare rates before you buy non-owner auto insurance to find the right coverage for your needs.

Enter your ZIP code now to compare non-owner auto insurance rates.

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