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What is non-owner car insurance?

Non-owner car insurance protects you in the event you’re determined to be at fault in an accident while driving a vehicle not owned by you, such as a rental car. It’s a secondary coverage that pays for damages above and beyond what might be covered through the car’s primary insurance.

Non owner, nonowner, non-owner, non owners: Is this the same?

Yes. Some companies refer to this coverage as non owner car insurance, non owners car insurance or non-owner insurance. It can be spelled out differently, but the insurance coverage is the same. 

Should I have non-owner car insurance?

Non-owner car insurance is geared toward those who:

  • Don’t own a car
  • Need an SR-22 filing—learn about our SR22 insurance
  • Don’t have regular access to a car
  • Rent vehicles frequently
  • Primarily take public transportation, yet occasionally drive as well.

What does a non-owner policy 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. The largest limitation is you would not have coverage if you were driving a vehicle you own or use often.

What doesn’t a non-owner policy 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.

Does my rental company already cover this?

When you rent a vehicle, the rental company might offer similar coverage, however, the daily cost of this coverage can add up, especially over an extended period of time. For example, if you rent a car for more than 10 total days a year, a non-owner policy might be cheaper than the car rental company’s insurance.

What does non-owner car insurance cost?

A non-owner policy is a cheap car insurance alternative to a regular car insurance policy. The cost depends on factors such as how much coverage you’d like and your driving history. Non-owner policies usually don’t carry a deductible and will have coverage limits.

Policies are purchased on a “per-driver” basis, so each person obtains his or her own insurance.

Can I buy my non-owners policy with you online?

Given some of the unique aspects of the policy, we prefer to discuss it with you over the phone. We would be happy to find the right policy for you. Simply call 888-344-4357.

Can you help with a DUI or DWI?

Yes we can. 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. Learn more about what happens when you get a DUI/DWI and information if you need to get an SR22.

Can you help me avoid a lapse in coverage?

Yes. Many insurance companies consider drivers without six months of continuous coverage to be high-risk drivers, which leads to higher rates and/or surcharges.

Even though car insurance might 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.

Call us at 888-344-4347 for a fast quote.

Top five reasons to buy non-owner car insurance

  1. You’re required to show proof of insurance. 
    Even if you don’t own a car but have a major violation on your driving record and still need to drive, your state may require liability coverage. Non-owner car insurance is a simple, affordable solution. 
  2. You plan to borrow your friend’s car from time to time.
    If you plan to drive a vehicle you don’t own from time to time, it’s smart to have basic liability coverage in place. And based on where you live, basic liability coverage might be required.
  3. You’re in between vehicles. 
    While you can technically cancel your previous auto insurance policy, swapping it for a less expensive non-owner car insurance policy keeps you under continuous coverage, saving you money in the long run.
  4. You can’t afford a car but still need to drive. 
    Not having a car doesn’t mean you don’t need car insurance. If you still plan on getting behind the wheel, a non-owner policy will protect you on the road. And by avoiding a lapse in coverage, your rate will improve if you own a car again in the future.
  5. You rent a car on occasion. 
    If you rent a car for more than 10 days a year, consider a non-owner policy. It might be cheaper than the pay-per-day rate from the rental company.