Non-owner car insurance can help protect you by providing liability coverage (for others' injuries and property damage) if you cause an accident while driving a covered vehicle you don't own. Purchasing non-owners car insurance can be a good option for frequent car borrowers, as this secondary coverage can help pay for damages above and beyond what might be covered by the car owner's primary insurance.
You don’t own a vehicle, but you plan on getting behind the wheel from time to time. If that’s the case, a non-owner policy can help protect you. Here are some typical scenarios:
With a non-owners car insurance policy, you meet your state’s minimum requirements for liability insurance, which covers:
Non-owner car insurance doesn’t cover damages to the vehicle you’re driving, and it generally doesn’t include coverage for your property or injuries you suffer in an accident.
A non-owner auto insurance policy can be a cheaper alternative to traditional car insurance. Just keep in mind that the cost of your insurance policy depends on several factors, including:
To get a non-owner policy, work with your insurance agent or insurance provider. You typically can’t select this option during the online quote process.
You’ll want to gather some information to prepare for this discussion. Have your driver license and payment method accessible, along with information on your driving history and a general idea of how much coverage you want to purchase.
Questions about non-owner car insurance coverage? Give us a call at 866-259-6246 to speak to one of our knowledgeable agents.
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Yes—in fact, that’s exactly the scenario non-owner car insurance is designed for. This coverage can provide significant value if you don't own a car but occasionally drive vehicles owned by people who don’t share a household with you. It can also be a cost-effective way to stay compliant with a financial responsibility filing, such as an SR-22, if needed. Call us today at 855-453-3438 for a quote.
You may be able to add optional uninsured motorist (UM) and underinsured motorist (UIM) coverages to your non-owners car insurance policy. These coverages can help protect you if you’re involved in an accident caused by a motorist who either isn’t insured or who doesn’t have enough coverage to pay for the resulting expenses.
Additionally, some states allow you to add personal injury protection (PIP) along with the other auto insurance coverages on our policy, which can help pay for medical expenses you and your passengers face following an accident.
As is the case with most other car insurance coverages, this depends on you. Factors include:
Your car insurance agent or company can break it all down for you. You can also work with your agent to determine whether you qualify for any money-saving discounts or find additional ways to get cheaper car insurance.
Non-owners auto insurance is a type of car insurance that may make sense for you if you don’t own a vehicle and don’t live with someone who owns a vehicle, but you borrow cars frequently or drive other people’s cars from time to time. Your non-owners policy helps protect you with liability coverage if you’re involved in a covered accident while driving a vehicle you don’t own.
Yes—just be aware your non-owners auto insurance policy doesn’t include collision or comprehensive insurance, so you’ll likely be responsible for any damages to the vehicle you’re driving if you’re in an accident.
Assuming non-owner car insurance is available in your state, you’ll work with your insurance agent or directly with your insurance provider to set up your policy. Dairyland offers this coverage in states where it’s available—call us at 855-507-5840 today for an affordable non-owners insurance quote.
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*Data accuracy is subject to this article’s publication date.