Non-Owner Car Insurance

If you are not a car owner, you may think you do not need an auto insurance policy. That would make sense, right? No car means your driving habits are restricted, lessening your odds of getting into a collision.

However, this is only sometimes the case. There are many instances where you’re not a car owner but still need to find yourself behind the wheel of a car.

For example, say you have an emergency and must borrow a friend’s vehicle. Suppose you damage another vehicle while using someone else’s car with no car insurance policy. In that case, you can end up in a pretty unfortunate situation.

But there is an affordable, easy solution to this issue: a non-owner car insurance policy. Non-owner car insurance covers drivers who don’t own a vehicle but drive periodically.

What is a Non-Owner Car Insurance Policy?

A non-owner car insurance policy covers you if you cause an accident while driving a vehicle you do not own.

These types of car insurance policies are designed to protect individuals who are not car owners but still require coverage for those occasions when they need to.

A Non-owner policy is secondary coverage that covers damage beyond what may be covered under the owner policy the vehicle owner holds.

It provides liability coverage on a vehicle you don’t own. As a registered driver, It is your responsibility to ensure you are driving safely and insured in a vehicle you don’t own.

Who Needs Non-Owner Auto Insurance?

There are several reasons someone may need a non-owners car insurance policy. Often, it is utilized by high-risk drivers with a poor driving history, but that is only sometimes the case. Many use it as a cheaper alternative to a standard car insurance policy when they don’t own a vehicle.

It would be in your best interest to consider purchasing a non-owner policy if you fall into one of these categories:

• You can’t afford a car but still have to drive - Just because you don’t own a car does not mean you don’t need a car insurance policy. If you ever plan on getting behind the wheel of a vehicle you don’t own; you need to be insured with at least the minimum car insurance required by your state. A non-owner policy can help you secure this.
• You’re in between vehicles - Consider switching to a non-owner policy if you are between vehicles. You can technically cancel your car insurance policy and then repurchase it, but that will show a gap in coverage on your insurance history. This often can look discouraging to insurers and raise your car insurance costs. Swapping it for a money-saving non-owner car insurance policy gives you consistent coverage, helps to avoid lapses in being insured, and will be cheaper in the long run.
• You Occasionally Borrow cars - Suppose you borrow a friend’s car often or even from your employer. In that case, you need to carry a liability car insurance policy. It is required by almost every state when you borrow a car. You never know when an accident can occur in a borrowed car. A non-owner policy can help you fulfill your responsibility as a driver when car-sharing.
• You Need Non-owner SR22 insurance - Following a significant traffic violation, like a DUI, your state will often require you to prove you carry at least the state minimum liability car insurance. Purchasing SR22 Insurance policy provides essential minimum liability coverage after a traffic violation. If you do not own a car but still need to fulfill these requirements, a non-owner policy could be an affordable solution to be insured.
• You Frequently Rent Cars - If you frequently use rental cars when you travel, a non-owned car insurance policy would be a cheaper alternative to getting rental car insurance or using protection provided by your credit cards when you rent a car.

What does Non-Owner Car Insurance Cover?

Non-owner car insurance helps cover damage to other people’s vehicles and properties should you damage them in a collision. It typically provides liability coverage for any bodily injuries you cause in a vehicle you don’t own.

Some insurance companies may also allow you to add on medical payments coverage and uninsured and underinsured motorists coverage.

Ensure you inquire about all non-owner policy guidelines and regulations before signing up for a non-owner insurance policy. Generally, the default is regarding a liability policy.

What Does Non-Owners Insurance Not Cover?

A Non-owner car insurance policy will not cover damage to the vehicle you are driving. It also lacks coverage for any injuries you sustain or damage to your property following a collision.

The policy will not cover other areas, including rental reimbursement or towing services. This is because the non-owner policy is not attached to a specific vehicle; it is only connected to you as the driver.

Suppose you are using a non-owned insurance policy with your rental. In that case, the rental company can offer other coverage options.

How much does a Non-Owner Policy Cost?

A non-owner car insurance policy can be a relatively cheap alternative to traditional car insurance. However, with that being said, several factors can impact the cost of your non-owned insurance policy.

Much like traditional auto insurance, rates depend on personal variables like driving history, credit score, where you live, and your coverage limits.

After an evaluation of your factors and driving history, you will have a better understanding of what your car insurance rates may be.

It is important also to remember that non-owned car insurance policies are purchased per driver. These policies only provide coverage for you as the driver, not the possible damage to the vehicle you are behind the wheel of.

Unlike traditional policies, everyone in your household needs a non-owner policy if their driving circumstances require it.

How Do You Purchase a Non-Owner Insurance Policy?

You can purchase a non-owner car insurance policy through your insurance company or by contacting an Insurance Navy insurance agent.

Check with your state’s minimum insurance requirements first for advice on coverage amounts, as they vary from one state to another. Some states do not even require non-owner insurance at all.

At the same time, some companies may also not offer a non-owner auto policy. Great resources to consult regarding laws in your area would be your state’s insurance department or motor vehicles department to avoid buying the wrong policy.

Non-Owner Vehicle Insurance Benefits

Several benefits come with buying a non-owner auto insurance policy. It can give you peace of mind. It assures other drivers that if you cause an accident, you can pay for the property damage and any bodily injury you’re responsible for.

Without insurance, you could face severe expenses and great financial loss due to damage caused by an accident.

• You can show proof of insurance when requested - Your state will require you to carry non-owned auto insurance even if you do not own a vehicle but have an outstanding violation on your driving record.
• Non-owned auto Insurance covers the borrower of a vehicle - If you expect to drive someone else’s vehicle now and then, it would be wise to have non-owner insurance coverage. It may also be required depending on where you live. Either way, ensure you are protected when you’re behind the wheel when car-sharing.
• No Lapses in coverage when between cars - You can cancel insurance policies when in between cars, but this can be a hassle and negatively affect you as a driver and the insurance company. Keep your coverage active with a non-owner auto insurance policy.

Get a Free Non-Owner Car Insurance Quote Today

Are you looking for non-owned car insurance? Call us today for a free non-owners insurance quote. Ensure you let us know your zip code, driving history, and vehicle information. By providing us with all this, we can better understand the coverage you need.

We provide liability coverage for all cars and drivers. You can get a quote at one of our many locations or online via our website and mobile app.

You can also start your quote over the phone through one of our friendly and knowledgeable insurance agents. Get coverage today with non-owner insurance and drive worry-free tomorrow.

Look at our excellent reviews from satisfied customers in over 30 retail locations. Our reviews speak for themselves with our happy customers. Start shopping today for affordable non-owner coverage.

Popular states we provide Non-owner insurance:

Non-Owner Car Insurance in Illinois

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This product may only be available in some states; please call an agent for more information.*