Non-owner car insurance
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Non-owner car insurance

What is non-owner car insurance?

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.

Understand when you need non-owner car insurance

Here are several reasons to consider purchasing non-owner car insurance:

  • 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.
  • You’re temporarily between vehicles
    While you can technically cancel your previous auto insurance policy, swapping it for a cheaper non-owner car insurance policy keeps you under continuous coverage, helping you avoid lapses in coverage and potentially saving you money in the long run.
  • You need an SR22 
    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 what to do if you need to get an SR22 or an FR44 in Florida and Virginia.

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  • You borrow your friend’s car from time to time
    If you plan to drive someone else’s car every now and then, it’s smart to have basic liability coverage in place. And depending on where you live, basic liability coverage might be required.
  • You rent vehicles frequently
    If you use rental car services often while traveling, non-owner car insurance can be a cheaper alternative to liability insurance. While it probably won’t cover damage to your rental car if you’re involved in an accident, your chosen rental car service may provide other options.

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.

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What non-owner car insurance does—and doesn’t—cover

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.

How to buy non-owner car insurance

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.

Non-owner car insurance costs

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 888-290-5754. We can provide a free, quick quote to help you find the coverage you need.

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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.

Top reasons to buy non-owner car insurance

  1. You’re required to show proof of insurance.
    Your state might require liability coverage even if you don’t own a car but have a major violation on your driving record and still need to drive at some point. 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 someone else’s car every now and then, it’s smart to have basic liability coverage in place. And depending 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 cheaper 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 auto insurance rate will improve if you own a vehicle again in the future.

Frequently asked non-owner insurance questions

  • How do I know if non-owner car insurance is right for me?

    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.

  • How do I get a non-owner auto insurance policy?

    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.

  • How much is non-owner insurance?

    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.

  • What are the benefits of a non-owner insurance policy?

    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.

  • Can I cancel non-owner insurance?

    Yes, you can cancel your non-owner coverage. But you’ll need to contact your insurance agent or insurance company to do so. However, if you’re going to continue to drive, make sure you have some coverage in place. Car insurance is required in nearly every state.

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