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Non-owners insurance provides secondary liability coverage for damages and injuries caused by drivers who need proof of insurance for a vehicle they own.
Non Owner Car Insurance California
It's possible — and sometimes necessary — to buy an auto insurance policy without owning a car. In this article, the Guide Auto team will take an in-depth look at non-owner car insurance, including what these policies typically cost and recommendations for the best car insurance companies that sell to non-owners.
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Why Trust Our Team The Guide Auto Team is committed to providing reliable information to help you make the best possible insurance decisions for your vehicle. Our researchers, writers and editors are dedicated to vetting providers and analyzing customer feedback and insights so you can choose with confidence.
Non-owner car insurance provides coverage for drivers who do not own a car but drive regularly using borrowed cars, rental cars and car sharing services. If you have a valid driver's license and do not own a car, you are eligible for non-owner insurance.
Yes, you can buy auto insurance coverage if you don't own a car, but you have to drive another car. In these cases, a non-owner car insurance policy may provide liability coverage for damage or injury in an accident where you are the at-fault driver.
Non-owner car insurance is similar to liability car insurance. This means that it pays for damages after an accident caused by you. Liability coverage does not pay for damage to your vehicle or any injuries to you or your passengers. However, it will cover your court costs if you sue.
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Non-owner auto insurance coverage is considered secondary coverage. If the accident is covered by more than one insurance policy, the secondary policy is not only covered by the primary policy. For example, if you borrow a friend's car and are involved in an accident, your friend's auto insurance policy will pay first and your non-owner's policy will cover any costs or damages that exceed your friend's liability limit.
Additionally, non-owner car insurance policies typically do not include deductibles. Coverage limits are set when you purchase your policy.
Some non-owner car insurance policies may offer add-ons such as under-insured or uninsured motorist coverage and personal injury protection (PIP). These policies cover the following:
A non-owner car insurance policy is not for every driver. Below are some situations in which you should and should not buy non-owner car insurance
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When you rent a car, you may want to consider purchasing rental car insurance from your rental company. If you have your own non-owners car insurance policy, you can avoid these costs. If you rent frequently, it may be cheaper to have your own policy.
Car-sharing services like Zipcar offer liability coverage, but have lower liability limits. It may also include a large deductible that you will have to pay in the event of an accident (sometimes in the thousands). If you regularly use such services, it is worth having your own coverage.
You may be personally liable for damages if you are involved in an accident while using a work vehicle for non-work purposes. Having non-owners insurance gives you liability protection.
Failure to maintain continuous car insurance coverage can result in higher rates if you decide to purchase car insurance again. If you're into vehicles, a non-owner policy is an inexpensive way to maintain continuous coverage.
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If you have had your license suspended for a DUI or failed to maintain proper insurance, you may be considered a high-risk driver. In that case, you may need to file an SR-22 Insurance Financial Responsibility Form (or FR-44 in Florida and Virginia) before your license can be reinstated. To get an SR-22, you'll need proof of insurance and a non-owner policy meets that requirement.
If you frequently borrow the same person's car, you should enroll in their auto insurance policy instead of purchasing your own non-owner car insurance.
Many insurance companies will not sell you a non-owner policy if you have regular access to a particular vehicle that belongs to someone in your family. Instead, the insurance company must list you on that vehicle's owner's policy.
If you own a car, you should buy a policy for that car instead of non-owner car insurance.
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Non-owner car insurance is usually cheaper than a standard liability policy. According to our market research, the cost ranges from $200 to $600 per year. Generally, non-owner car insurance policies do not include deductibles.
If you are considering purchasing a non-owner car insurance policy, we recommend getting quotes from multiple providers. Many of the top providers and free quote tools are included below.
Like insurance quotes for your own car, non-owner insurance quotes depend on the provider and other factors, including:
Purchasing a non-owner auto insurance policy can be a good idea for drivers who do not own a vehicle. This gives you the opportunity to purchase add-on coverage such as liability coverage and personal injury protection or underinsured/uninsured motorist coverage. Some car insurance companies offer these premiums which include:
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If you want to buy a non-owner policy, you will have several options to choose from. The nation's largest auto insurance provider offers non-owner car insurance, including:
You can request a free car insurance quote from many of these providers using the tools below. Be sure to consider the two insurance companies at the top of our list of the best car insurance companies: Geico and USAA.
Geico is one of the most famous insurance companies in the US not only because of its memorable advertisements, but because it offers the cheapest insurance coverage for many drivers. One reason is Geico's many car insurance discounts, such as:
We rate Guides Auto Team USAA as high as Geico, and for many reasons. The only downside to USAA is that it is not available to all drivers. To qualify for a policy with USAA, you must be a member of the military or have a family member with a USAA account. But USAA offers cheaper car insurance policies for those who qualify, including several discounts:
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Non-owner car insurance is the most common name for this type of insurance, but it is sometimes called non-driver insurance.
While you don't need to fully own a car to insure it, you can't buy an insurance policy for a car in which you don't have a financial stake. However, non-owner car insurance will allow you to insure a rental car or car-sharing vehicle while you are using it.
Geico will insure a car that is not in your name. However, you need to prove that you have some financial stake in the car.
Because consumers rely on us to provide objective and accurate information, we've developed a comprehensive rating system to create our rankings of the best car insurance companies. We've collected data from dozens of auto insurance providers to grade companies on a wide range of ranking factors. The final result was an overall rating for each provider, with the insurers with the highest points at the top of the list Non-Owner Car Insurance coverage for drivers who do not own a car but drive regularly using rental cars, car sharing services or borrowed vehicles is Drivers are eligible for non-owner insurance if they have a valid driving license and do not own the vehicle. Many insurance companies will not write a non-ownership policy if the driver has access to the vehicle in their home.
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How does non-owner car insurance work? What does non-owner car insurance cover? Best Non-Owner Car Insurance Company How Much Does Non-Owner Car Insurance Cost? When to Consider Non-Owner Car Insurance FAQs
Non-owner car insurance provides liability coverage to people who do not own a car. Like standard liability insurance, it covers damage to the vehicle and injuries to others when you're at fault, but it won't cover your own injuries or damage to the vehicle you're driving.
Non-owner insurance policies include any state-mandated types of coverage and usually allow drivers to add optional types of coverage such as uninsured/under-insured motorist and personal injury protection (PIP). A non-owners insurance policy does not cover a specific vehicle, so it does not include collision or comprehensive coverage.
Non-owner car insurance generally provides the same level of protection as a standard car insurance policy. A non-owner insurance policy will cover you:
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Most national insurance companies offer non-owner car insurance policies. However, they will usually only provide a quote over the phone and Progressive only offers non-owner car insurance to existing customers.
Non-owner car insurance costs between $200 and $500 annually. Because drivers with non-owner insurance are not on the road as much as the average policyholder, they are less likely to make a claim and therefore pay less for coverage.
The amount of coverage you choose, your driving history, your location and your driving frequency will help determine the right price
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