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What is non-owner insurance?

Non owner car insurance helps protect you against a financially crippling blow in the event that you’re deemed at fault in an accident operating a vehicle not owned by you.

Liability insurance would cover damages to others as a result of an accident after any primary insurance on the auto has been exhausted. In other words, non owner car insurance is secondary insurance coverage that would pay for damages above and beyond what might be covered through the car’s primary insurance.

Who is non owner car insurance for?

Non owner car insurance is geared toward:

  • People who don’t own a car
  • People who don’t have regular access to a car
  • People who rent vehicles frequently (short-term, temporary rental—coverage may not cover the rented car itself)
  • People who primarily take public transportation, yet occasionally drive

What does non owner car insurance cover?

If you cause an accident while borrowing or renting a vehicle, a non owner policy would cover damages to other people’s vehicles and property.

When you rent a vehicle, the rental company may offer similar coverage. However, the daily cost of this coverage can add up, especially if you’re renting for an extended period of time.

What doesn’t non owner car insurance cover?

Non owner car insurance doesn’t cover damages to the vehicle you’re driving. Typically, non owner car insurance doesn’t include coverage for your property, the car you’re driving, or injuries you might suffer in an accident.

What does non owner car insurance cost?

A non owner policy is an extremely cost-effective alternative to a regular car insurance policy. Policies are purchased on a “per-driver” basis, so each person must obtain their own separate insurance.

The cost of non owner car insurance can be very low, but it ultimately depends on factors such as how much coverage you’d like and your specific driving history. Non owner policies usually don’t carry a deductible, and will have coverage limits.

What other benefits does non owner car insurance offer?

Besides protecting you from major financial ramifications if you were to cause an accident, non owner car insurance serves other valuable purposes:

  • If your state requires insurance coverage for drivers who don’t own a car, but have incurred major violations such as DUI or DWI, a non owner policy is an affordable, responsible way to satisfy that requirement.
  • Non owner car insurance can help you avoid a lapse in auto insurance coverage. Many insurance companies consider drivers without six months of continuous coverage to be a high-risk driver, which can equate to steeper insurance rates and/or surcharges.

Only you can decide what coverage is right for you, but non owner car insurance can be an ideal solution in certain situations. If you’re an occasional driver, this inexpensive policy can help keep you legal, responsible, and financially protected.


In the end, it’s a small price to pay for peace of mind.

Top five reasons to consider non owner car insurance 

A non owner car insurance policy can be an ideal solution in many cases. Here are the top five reasons to consider a non owner policy:

  1. You’re required to show proof of insurance. If you have a major violation on your driving record, don’t own a car, but still need to drive, your state may require liability coverage even if you don’t own a vehicle. A non owner policy is a simple, affordable solution.
  2. You plan to borrow your friend’s car occasionally. Need to transport a large purchase to your apartment and the subway isn’t going to cut it? Whatever the reason, if you plan on operating a vehicle that you don’t own from time to time, it would be a smart move to have basic liability coverage in place. Based on where you live, it might even be required.
  3. You’re between vehicles. You’ve sold your old car, but haven’t gotten a new one yet. While you can technically cancel your previous auto insurance policy, swapping it for a less expensive non owner car insurance policy will keep your coverage continuous.
  4. You can no longer afford to own a car, but may need to drive occasionally. Similar to being between vehicles, offloading your car doesn’t necessarily mean you should offload your insurance policy, too. If you might need to drive on occasion in the future, a non owner policy will protect you on the road. Plus, when your financial situation improves, chances are you’ll purchase a car again. Avoiding a lapse in coverage may help positively affect your insurance rate later on.
  5. You plan to rent a car occasionally. If you rent a car for more than 10 days a year, consider purchasing a non owner policy. While you have the option of taking the basic pay-per-day insurance through the rental company, it may actually be less expensive in the end to get a small non owner policy.

Even though car insurance may not be required in your state, it’s always a good idea to check out what options are available. A non owner car insurance policy can help you protect yourself against possible financial hardship if you were to cause an accident.


It’s a small price to pay when you consider being stuck paying for thousands of dollars in damages. 


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