Non Owner Car Insurance Policy

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What Is Non-Owner Car Insurance?

Non-owner car insurance is a liability policy for people who don’t own a car but need car insurance. This type of insurance is often purchased by people who frequently rent cars or who are required to show proof of car insurance (such as an SR-22).

Liability car insurance coverage pays for damage and injuries to others if you cause an auto accident. For example, if you cause an accident in a car you don’t own and someone else is hurt, non-owner car insurance could pay for their medical expenses.

A non-owner car insurance policy may also contain other state-required coverages, such as uninsured motorist or medical payments coverage, but the primary focus of the policy is liability insurance.

Non-owner car insurance is a “”named insured”” policy, meaning only the person listed on the policy is covered. A few car insurance companies will apply the coverage to a spouse, while many will not. If both you and your spouse need non-owners auto insurance, make sure the policy you’re buying gives coverage to both of you.

What Does Non-Owner Car Insurance Cover?

Non-owner car insurance policies typically include liability coverage for bodily injury and property damage. Liability coverage pays for the costs of injuries or damage you cause to other people or property in an accident.

Bodily injury coverage pays for medical expenses, lost wages, and other costs if you injure someone in an accident.
Property damage coverage pays for the cost of repairing or replacing damage you cause to someone else’s property in an accident.

Non-owner car insurance may also include uninsured/underinsured motorist coverage (UM/UIM) and medical payments coverage (MedPay) or personal injury protection (PIP).

UM/UIM coverage pays for your injuries or damage to your vehicle if you’re in an accident with an uninsured or underinsured driver.
MedPay or PIP coverage pays for your medical expenses if you’re injured in an accident, regardless of who is at fault.

The limits of non-owner car insurance typically match the minimum auto insurance requirements set by each state. For example, California drivers must carry liability insurance that covers up to $15,000 in bodily injury per person, $30,000 in bodily injury per accident, and $10,000 in property damage. As such, a basic non-owners insurance policy sold in that state will likely carry the same minimum level of coverage, though drivers can purchase more.

When to Consider Non-Owner Car Insurance

There are a few reasons why you may want to get non-owner car insurance:

  • You rent cars often. If you rent cars frequently, you may want non-owner car insurance so you don’t have to buy liability insurance from the rental car company.
  • You use a car-sharing service often. If you rely on a car-sharing service like Zipcar or Getaround, non-owner car insurance can provide more coverage than the company provides. For example, Zipcar provides only the minimum liability car insurance requirements.
  • You don’t want a coverage gap in your car insurance. Not having car insurance creates a “”coverage gap,”” which car insurance companies see as a higher risk. This can lead to higher car insurance premiums the next time you buy car insurance. Non-owner car insurance is a good way to avoid a coverage gap if you’re in between vehicles.
  • State law requires you to file an SR-22 (or FR-44) form. Your state may require you to show proof of car insurance if you’ve had problems like DUI convictions, license suspension or revocation, you were caught driving without insurance, or other types of problems. Non-owners SR-22 insurance is a way to get auto insurance without owning a car.

Who Offers Non-Owner Car Insurance?

Many major insurance providers offer non-owner car insurance policies. However, availability can vary by state. If you have an existing home, renters, or life insurance policy, the best place to start your search is with your insurance agent. They can help you find a policy that meets your needs and may offer discounts to members who purchase multiple policies.

If you don’t have an existing insurance policy or would prefer to use a different insurance provider, be sure to shop around and compare quotes. Consider the different coverage options, limits, and discounts that are available to find the best policy for your needs.

How to purchase non-owner car insurance?

To purchase a non-owner policy, you must contact your insurance agent or insurance provider. You cannot typically select this option during the online quote process.

Before speaking with your agent, gather the following information:

  • Your driver’s license
  • A payment method
  • Information on your driving history
  • A general idea of how much coverage you want to purchase

If you have any questions about non-owner car insurance coverage, contact one of our knowledgeable agents today.


Can you get car insurance without a car?

Yes, you can buy a nonowner auto insurance policy if you want insurance but do not have a vehicle.

What is nonowner car insurance?

A nonowner policy covers basic liability when you don’t have a car. This can give you insurance when using a rental car or car-sharing service. It can also give you more coverage when you’re borrowing a friend’s car.

Who should get nonowner car insurance?

One of the most common situations is if you don’t have a car but often rent cars or drive cars that aren’t yours and want to ensure you’re protected. Another is if you need a nonowner SR-22 form because of a DUI or another serious driving infraction.

Is nonowner car insurance expensive?

Nonowner car insurance is somewhat cheaper than a regular auto insurance policy. It may cost between 5% and 15% less than a standard policy with similar coverage.

Where can I get nonowner car insurance?

Major insurers — including State Farm, Geico, Progressive and The General — offer nonowner insurance, but you must call each insurance company directly to get a quote.

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