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Non-owner auto insurance is for people who don’t have their own car but still need to drive occasionally. Maybe you usually travel by train, but occasionally you rent a car on vacation or ride a carpool to go to a meeting. If you drive other people’s vehicles often enough, non-owner insurance may be for you.
Non Owner Car Insurance Average Cost
However, non-proprietary auto insurance is not the best choice if you usually borrow a car from a relative or someone in your family. Instead, you must be listed on the vehicle owner’s policy. Depending on the insurer and your state, this may also be required if the car belongs to an unrelated partner and you do not currently have a valid driver’s license.
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Non-owner auto insurance, also known as non-owner insurance or non-driver insurance, provides liability coverage for people who don’t own their own vehicle, but occasionally drive someone else’s vehicle. Auto liability insurance coverage covers injuries and property damage caused to others in an auto accident. However, it does not cover any damage to the car you have borrowed or rented, nor does it compensate for your injuries in the event of an accident.
An ownerless auto insurance policy usually only includes the types of coverage required in your state, although you can often choose limits above the minimum. In addition to warranty coverage, these may include:
Non-owner insurance does not include collision or fully comprehensive insurance. In a standard auto policy, this coverage covers repairs or replacement of the vehicle you own.
Your state may require these forms to restore your driver’s license after a severe conviction such as a DUI. Insurers submit them on your behalf to prove that you have at least the minimum amount of insurance coverage required by the state.
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If you are obtaining a license for the first time or are looking to reinstate it after a suspension, some states may require insurance to show “proof of financial liability”.
Car sharing services like Zipcar and Turo offer some coverage to drivers, but that’s usually enough to meet your state’s minimum requirements. If you cause a bad accident, the costs can easily exceed the minimum limits and you will be responsible for it. A non-owner policy can supplement this coverage.
Going without auto insurance, even among cars, makes you look unsafe for insurance companies, leading to higher rates when buying a car. For this reason, it may be cheaper to purchase non-owner insurance than to skip the coverage if you are without a car for a short period of time.
Non-owner insurance can cost less than liability coverage at the rental desk if you rent often enough. It can also offer peace of mind if you’re worried about having a rental car accident (after all, you’re driving an unfamiliar car in an unfamiliar area). It does not usually cover rental damage, but you may be able to get this coverage with a credit card or purchase collision damage waiver from the car rental company.
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Car owner insurance usually pays for an accident, but if the costs exceed the liability limits, you are interested in liability.
Let’s say you are guilty of an accident while driving a friend’s car and the other driver needs medical attention worth $ 35,000. If the friend who lent you the car only has $ 25,000 of personal injury coverage on the vehicle, you will be liable for the remaining $ 10,000. Your non-owner policy can cover this expense.
If the vehicle you drive primarily belongs to the person you live with, you should usually be listed as a covered driver on your auto insurance policy instead of getting non-owner insurance. The reason for this is that, depending on where you live and the company insuring the vehicle, coverage may be denied if any of the family members of age to drive are not listed on the policy.
If the extent of your driving is renting a car once a year or occasionally borrowing a friend’s car, non-owner auto insurance may not be worth the expense. It may be cheaper to buy insurance at the rental counter or rely on your friend’s insurance policy to cover you if the worst happens.
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However, it is worth double-checking that you are covered before getting behind the wheel. If your friend gives you permission to drive his car and you have an accident, not all insurance companies will cover the damage.
To get a quote, you usually need to call an insurance company or agent. Insurers don’t tend to provide non-owner auto insurance quotes online, and some, like Progressive, only offer this coverage to existing customers.
We have verified that the following companies offer non-owner auto insurance (or in the name of non-owner insurance, as some call it), but not all of them offer information online. The best way to get a policy is to find an agent or call the company directly.
Companies that offer non-proprietary auto insurance may not sell it in all states. * USAA sells auto insurance only to active-duty military, veterans and their families.
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In addition to its standard non-owner insurance, State Farm offers a personal mobility policy for California residents who do not own their own vehicles. The policy includes civil liability, uninsured motorist, full and collision coverage, as well as emergency roadside assistance. With this policy, you are covered not only when you drive a borrowed car, but also when you cycle or drive as a passenger in a carpooling.
Typically, a non-proprietary auto insurance policy costs less than you would pay for the same level of liability coverage for a car you own. However, if the insurer needs to present an SR-22 or FR-44, the costs will likely be high for each policy until you no longer need them.
The price depends on your age, your driving record and how often you plan to drive, as well as other variables. Learn more about the factors that influence car insurance rates.
No, you can’t usually insure someone else’s car, but you can purchase a non-owner policy to insure yourself. This type of coverage includes liability insurance to cover damage you may cause to others while driving someone else’s car, but it will not cover damage to the vehicle you are driving if you are responsible for the accident. This will be covered by the vehicle owner’s collision insurance if they have it.
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Although many major insurance companies don’t advertise it on their websites, you can purchase auto insurance for non-owners over the phone from Geico, Liberty Mutual, Nationwide, USAA, and Travelers, among others. Companies that cater to high-risk drivers, such as Acceptance, Dairyland, and Direct Auto, also sell insurance for non-owners.
The liability insurance on your non-owner policy probably covers the damage you cause to other people and the damage you cause to their property while driving a rental car. But because non-owner policies don’t include full or collision coverage, they won’t pay for any damage you may cause to the rental car itself. To do this, check if your credit card provides coverage or purchase collision damage waiver from the car rental company.
No, you can’t usually insure someone else’s car, but you can purchase a non-owner policy to insure yourself. This type of coverage includes liability insurance to cover damage you may cause to others while driving someone else’s car, but it will not cover damage to the vehicle you are driving if you are responsible for the accident. This will be covered by the vehicle owner
Although many major insurance companies don’t advertise it on their websites, you can purchase auto insurance for non-owners over the phone from Geico, Liberty Mutual, Nationwide, USAA, and Travelers, among others. Companies to turn to
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Your non-owner policy probably covers the injuries you cause to other people and the damage you cause to their property while driving a rental car. But because non-owner policies don’t include full or collision coverage, they won’t pay for any damage you may cause to the rental car itself. To do this, check if your credit card provides coverage or purchase collision damage waiver from the car rental company.
About the Authors: Lacey Glover is an insurance publisher and writer and an insurance authority. His work was featured on USA Today, U.S. News and World Report and Associated Press. Read more
Sarah Schlichter is an authority on homeowners, renters, auto and pet insurance. Her work has appeared in numerous media outlets, including The Associated Press, MarketWatch, and The Washington Post. Read more
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