Non-owner car insurance protects you if you cause an accident while driving a vehicle you don’t own. It’s a secondary coverage that pays for damages above and beyond what might be covered through the car owner’s primary insurance.
Here are several reasons to consider purchasing non-owner car insurance:
You may not need a non-owner car insurance policy if you share a household with someone who owns a vehicle you frequently drive. In those cases, you should be listed as a secondary driver on their policy.
If you cause an accident while borrowing a vehicle, your non-owner car insurance policy would help cover damages to other people’s vehicles and property. The largest limitation is you wouldn’t have coverage if you were driving a vehicle you own or use often.
Non-owner car insurance doesn’t cover damages to the vehicle you’re driving, and typically doesn’t include coverage for your property or injuries you suffer in an accident.
Minimum auto insurance requirements for car insurance vary by state—in fact, some states don’t actually offer non-owner car insurance policies. See what the car insurance requirements and options are for your state.
A non-owner policy can be a cheap car insurance alternative to traditional car insurance policies. That said, several factors can impact the cost of a non-owner car insurance policy, including your driving history and how much coverage you’d like to purchase. Non-owner policies have coverage limits, and usually don’t carry a deductible.
Keep in mind, non-owner policies are purchased on a per-driver basis, so you’ll need to purchase your own insurance even if you share a household with other drivers who don’t own vehicles.
Questions about non-owner car insurance coverage? Give us a call at 888-344-4357. We can provide a free, quick quote to help you find the coverage you need.
As we noted earlier, non-owner car insurance may not be available in your state. To help ensure you comply with your state’s minimum coverage requirements, check out the coverages we offer at Dairyland.
Even if you don’t own a vehicle, with Dairyland you could qualify for money-saving discounts on your auto insurance.
This is an insurance coverage option worth looking into if you don't own a car but occasionally drive someone else's vehicle who doesn't live in the same household as you.
To get a non-owner policy, you’ll have to get in touch directly with an insurance agent or insurance company. You typically can’t choose this option during an online quote process.
Similar to most other car insurance coverages, this depends on you. Cost factors include your driving history, your age, where you live, and how much coverage you want. Your car insurance agent or company can break it all down for you.
The biggest benefit is that you’re likely covered if you’re involved in an incident while driving someone else’s car. A non-owner insurance policy is often cheaper than similar coverage on a vehicle you own.