Nearest Office:

Non-Owner Car Insurance: Can I get Car insurance without a car?

If you are not a car owner, you may be under the impression that you do not need an auto insurance policy. That would make sense, right? No car means your driving habits are restricted, which then lessens your odds of getting into a collision.

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

For example, say you have an emergency and need to borrow a friend’s vehicle. If you happen to get into an accident and damage another vehicle while using someone else’s car with no car insurance policy, 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 provides coverage for drivers who don’t own a vehicle but drive periodically.

What is Non-Owner Car Insurance?

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

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

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

It provides liability insurance on a car you don’t own. It is your responsibility as a registered driver to make sure you are driving safe and insured in a car you don’t own.


Enter your ZIP code below to view quotes for the cheapest Auto Insurance Rates.

Who Needs Non-Owner Car Insurance?

There are a number of reasons someone may need a non-owner car insurance policy. Often it is utilized by high-risk drivers with a poor driving history, but that is not always 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 non-owner auto insurance if you fall into one of these categories:

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 car you don’t own, you need to be insured at least the minimum amount of car insurance coverage required by your state.

A non-owner car insurance policy can help you secure this.

In between vehicles temporarily

If you are between vehicles at the moment, you may want to consider switching to a non-owner auto insurance policy.

You can technically cancel your car insurance policy 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 being insured and will be cheaper in the long run.

Borrows car occasionally

If you plan on borrowing a friend’s car often or even borrow a car from your employer, you need to carry liability car insurance policy. It is required by almost every state when you borrow a car.

Plan ahead, you never know when an accident can occur in the car you borrow. A non-owner policy can help you fulfill your responsibility as a driver when engaging in car-sharing.

Needs Non-owner SR22 insurance

Following a major traffic violation, like a DUI, your state will often require you to prove you carry at least the state minimum liability car insurance.

Purchasing an SR22 car insurance policy provides you with 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 auto insurance policy could be an affordable solution to be insured.

Using rented cars frequently

If you are a frequent user of rental cars you travel, a non-owner car insurance policy would be a cheaper alternative to getting rental car insurance coverage or using coverage provided by your credit cards when you rent a car. This could also be used if you use a car sharing or peer-to-peer service like zipcar.

While it usually will not cover damage to your rental car, the rental company may be able to provide insure you with their rental car insurance policy.

Who Doesn’t Need Non-Owner Car Insurance?

There are a few instances where you think you may benefit from a non-owner auto insurance policy, but it actually would just be useless.

If you own a car, you rarely would qualify for this type of auto insurance policy. You also will not need it if you live with a family member who owns a vehicle that you frequently use.

If that is the case, you should be listed as a driver on the current car owner policy. If you are without a drivers license and do not plan to obtain one within 30-days of activating the non-owner insurance policy, you would be able to go without it as well.


Enter your ZIP code below to view quotes for the cheapest Auto Insurance Rates.

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 that you cause in a car you don’t own.

Some car insurance companies may also allow you to add on medical payments coverage and uninsured driver or underinsured motorist coverage.

Make sure you inquire about all non-owner policy guidelines and regulations prior to signing up for non-owner insurance coverage. Generally, the default is in regard to a liability car insurance policy.

What Doesn’t Non-Owner Car Insurance Cover?

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

Other areas the non-owner car insurance policy will not cover includes rental reimbursement or towing services. This is due to the fact that the non-owner policy is not really attached to a specific vehicle; it is only attached to you as the driver.

If you are using a non owner car insurance policy with your rental, the rental company may be able to offer other car insurance coverage.

Non-Owner Car Insurance Cost

A non owner car insurance policy can be a relatively cheap alternative to traditional car insurance. But with that being said, there are a number of factors that can impact the cost of your non owner car insurance policy.

Much like traditional auto insurance, rates are dependent on personal variables like driving history, credit score, where you live, and your choice in 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 and what your car insurance costs.

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

Unlike traditional auto insurance, everyone in your household will need a non-owner auto insurance policy if their driving circumstances call for it.

How Do You Purchase Non-Owner Car Insurance Policies?

You can purchase a non-owner car insurance policy through your insurance company or by getting in touch with a car insurance agent or company today.

Check with your state’s minimum auto 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 non-owner car insurance policies. Great resources to consult regarding auto insurance laws in your area would be your state’s department of insurance or department of motor vehicles to avoid buying the wrong coverage.

Non-Owner Car Insurance Benefits

There are a number of benefits that come with buying a non-owner auto insurance policy. It is able to give you peace of mind and assures other drivers that if you cause an accident, you will be able to pay for the property damage and any bodily injury you’re responsible for.

Without being insured, you could be facing some pretty serious expenses and face great financial loss due to damage cause in an accident. More on the basics of what a non-owner auto insurance policy offers are explored below.

You can show proof of insurance when requested

Your state most likely will require you to carry non-owners car insurance even if you do not own a vehicle but have an outstanding violation on your driving record.

Non-owners Car Insurance covers the borrower of a vehicle

If you expect to drive someone else’s vehicle every now and then, it would be wise to have non-owners insurance coverage. It may also be required depending on where you live. Either way, make sure you are protected when you’re behind the wheel when car-sharing.

No Lapses in auto insurance coverage when between cars

You are able to cancel auto insurance policies when in between cars, but this can be a hassle and reflect poorly on you as a driver by the insurance company. Keep your coverage active with a non owner auto insurance policy.

You are still covered even if you can't afford a car

Not being able to afford a car does not exempt you from carrying auto insurance. You also will not lapse in coverage, having non-owners insurance will make your car insurance bills cheaper and more affordable when it comes time to purchase traditional car insurance.

Get a Free Non-Owner Car Insurance Quote Today

Looking for non-owner car insurance? Call Insurance Navy™ today to get a free non-owner car insurance quote. Make sure you let us know your zip code, your driving history, and information on your vehicles. By providing us with all this, we can get a better idea of the coverage you need.

Insurance Navy provides liability coverage for all cars and drivers. You can get a quote either 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. They have answers to some of the frequently asked questions or FAQ s you might have. Get coverage today with non-owner car insurance and drive worry-free tomorrow.

Take a look at some of our great reviews from satisfied customers in our over 30 retail locations. Our reviews speak for themselves with our happy customers. Start shopping today for affordable non owner coverage.

Get the Best Non-Owned Car Insurance with Insurance Navy™

A Non-Owners Auto Insurance policy may not be available in every state, please call an insurance agent for more information.*