You Drive Rarely Or Not At All
If the extent of your driving is renting a car once a year or occasionally borrowing a friends car, non-owner car insurance might not be worth the expense. It may be cheaper to simply buy insurance at the rental counter or rely on your friends insurance policy to cover you if the worst happens.
That said, its worth double-checking that youre covered before getting behind the wheel. If your friend gives you permission to drive their vehicle and you get into an accident, not all insurance companies will cover the damage.
How I Came Up With This List
I scoured the insurance industry for the best non-owner car insurance options. Unfortunately, there are not too many car insurance companies that offer non-owner insurance at a reasonable price.
With that, I present the best options that I could find. However, you may not find the best company for your situation on this list. Take your own needs into account before deciding on a policy.
What Does A Non
Non-owner auto insurance policies cover bodily injury and property damage liability only. Liability insurance covers injuries or property damage that youre legally liable for as a result of an auto accident. It does not cover your rented or borrowed vehicle if it gets damaged or stolen while you’re using it because collision and comprehensive coverage isnt part of the policy.
With a non-owner insurance policy, you can purchase different liability limits. If your state has demanded that you file an SR-22 or FR-44 financial responsibility form, the state may dictate what liability coverage amount you should obtain.
In some states, non-owner auto insurance can include other coverage required by law, like medical payments or uninsured motorist coverage.
Some insurers offer non-owner auto policies that extend coverage to rental cars. If you buy non-owner auto insurance to cover you in a rental, you should check with your insurer to confirm your policy includes rental cars. Keep in mind that rental car companies usually are required, by law, to provide the state minimum liability coverage for their cars.
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If You Need To Get Or Reinstate Your License
If you have committed a traffic offense, such as DUI or reckless driving, you might need to get car insurance to either get a license or to reinstate your license. Moreover, you may be required to get SR-22 or FR-44 insurance. The form SR-22 cannot be filed by yourself but must be filed by your insurer, so you would need insurance. Even if you do not have a car and do not drive during this time, a non-owner car insurance can come in handy for a variety of reasons, among which are:
- You will have no lapse in coverage, which makes you a lower-risk driver than those who have a lapse in coverage. A lapse in coverage refers to a period of time when you do not have insurance, even if you did not own any vehicles and/or did not operate any vehicles during this period. Having a lapse in coverage might make you a higher-risk driver than those who have no lapses and thus be subject to higher premium rates
- A non-owner car insurance policy for an SR-22 will be cheaper than an insurance policy for car owners. While your premiums will most likely be higher than drivers who have a clean driving record, it is still a more affordable way of reinstating your license. Depending on the SR-22 requirements, you might need to maintain an auto coverage for a period of time before you can reinstate your license.
How Can I Get Car Insurance Without A Car
You can get car insurance without a car by buying non-owner car insurance. To get this policy, you must have a valid drivers license and you cannot own a car. Most insurers also mandate that you dont have regular access to a car, such as a car owned by another member of your household. If someone in your home has a vehicle, you will need to be listed as a driver on that auto insurance policy.
As with a conventional policy, its wise to compare car insurance quotes before buying a non-owner insurance policy. You should compare non-owners car insurance quotes from at least three carriers to see who has the cheapest price for the coverage you want.
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Reasons You Dont Need Non
Here are some reasons you wouldnt need non-owner auto insurance:
- You own a car. If you already own a car, youll need a regular car insurance policy.
- You drive a car owned by someone in your household. If someone in your household has a car, like your spouse or parent, you should be listed on their car insurance policy.
- You occasionally borrow a friends car. If you get into an accident while driving a friends car, their car insurance policy would pay. However, if you cause an accident and their liability insurance is insufficient, you could be responsible for any damages not covered by your friends insurance. If you borrow cars often, it might be worth considering non-owner car insurance.
- You rarely drive. If you rarely get behind the wheel or not at all, you most likely dont need non-owners car insurance. For example, if you live in a city and only rent a car for vacation, you dont need to buy a non-owners policy.
Who Has The Cheapest Non
When shopping for cheap non-owner car insurance, the national average cost of non-owner car insurance is $585 versus $765 for regular liability-only car insurance. Of course, you might be able to save even more by shopping around to get a non-owners insurance quote.
Per MoneyGeeks research, the cheapest company for non-owner liability insurance is USAA, with a rate of roughly $252 per year. However, USAA only offers insurance to active and retired military members and their families.
Among those companies with a wider customer base, GEICO and Travelers offer the most affordable non-owner liability insurance.
The Average Cost of Non-Owner Car Insurance National
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How Much Does Non
Non-owner car insurance is much cheaper than typical insurance policies. In our research, non-owners insurance costs 72% less than a full-coverage policy. In Los Angeles, we estimate that non-owner car insurance costs $2,565 less per year than a policy that includes comprehensive and collision coverage.
Find Cheap Auto Insurance Quotes in Your Area
Why Do Car Insurance Rates Vary So Much Among Insurance Companies
Car insurance companies assess many factors when setting rates, and your location is chief among them. Based on the number and severity, or cost, of car insurance claims within the area, insurers assign ZIP codes at different risk levels.
Insurers take into account the frequency of thefts, collisions and vandalism to gauge the likelihood of such incidents happening to drivers within the ZIP code. This is used as the base rate from which insurers calculate your premium.
To estimate car insurance costs, input your coverage needs and location into CarInsurance.coms Car Insurance Estimator tool. Other pricing factors, such as your driving record, car make/model and your age are also a factor in how much youll pay.
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Is A Non Owner Sr
A non owner SR-22 or FR-44 insurance certificate proves that the insured can pay a certain amount for damages in case of an accident. This certificate proves to authorities that the non owner auto insurance premium has been paid by you and is valid for a particular period. If you are planning to buy non owned auto insurance, make sure that insurance companies accept your SR-22 or FR-44 for non owned auto liability coverage.
This is mandatory by law in certain states. The certificate must be filed with the state department of motor vehicles, otherwise a non owned car cant be registered under your name.
The minimum requirement for filing an SR 22/FR 44 is one year, but it might differ from state to state. Make sure to check your state requirements and consult with an insurance agent.
Heres What You Need To Know About Non
Not everyone has a car or needs one, but that doesnt mean you wont ever drive a vehicle . So, do you need auto insurance if you borrow a friends car?
If youve ever found yourself in this situation, the good news is that there is an affordable insurance product called non-owner car insurance.
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What To Look For In A Non
Most non-owner insurance policies are fairly similar, with prices likely being the biggest difference among them. When youre buying non-owner car insurance you only need your drivers license number and payment. In some states, you may also need to file an SR-22, which is a document required for high-risk insurance policies.
If You Drive Frequently But Dont Own A Car
This does not apply if you are listed on the car owners insurance, which often is the case for people from the same family. If you work as a chauffeur and often use your bosss car to run errands but are not on your bosss insurance plan, you might want to purchase non-owner insurance. If you borrow cars from others frequently, whether from your friend or other people, non-owner insurance may also be a good option.
The non-owner insurance will ensure that you have some coverage each time you drive so you do not have to worry about whether the car owners insurance policy will cover you, if its liability limits will be too low, or getting caught for driving without car insurance.
Be aware, however, that you can be added to the car owners insurance if the car owner is your family member or if you live with him or her. You might also need to be added to the car owners insurance policy if you borrow the same car from the owner consistently. Being added to the car owners insurance will provide you with primary coverage and cover you in the event of an accident.
The Bottom Line On Buying Car Insurance Without A Car
A non-driver policy is your best bet for auto insurance on a car you dont own. Geico offers the lowest rates for non-owner car insurance, but State Farm and Progressive are competitive companies. So youll want to compare quotes from these and other local insurers to see which offers the best price for you.
However, before you buy coverage, consider how often you drive and the kind of vehicles you borrow.
For example, if you dont drive more than 10 days a month, you probably dont need non-owner insurance. If you have access to a roommate or family members car, you can ask to be on their policy instead.
However, youll be better protected with non-owner coverage if you rent vehicles for several weeks or borrow a friends car regularly. You also have many options for car insurance without a car, so explore yours with our free online quote comparison tool above.
You Borrow Another Persons Car A Lot
You should get non-owners insurance if you use someone elses car regularly, especially if they have low amounts of liability coverage, or if youre specifically excluded from coverage on their policy.
Car insurance generally follows the car, not the driver, so if you frequently borrow your friends car youll be covered by their insurance if you get into an accident.
But their policy may have special limits for when other people are driving, or they may have low amounts of liability coverage that dont fully cover the damage you cause in an accident.
Your non-owners insurance would step in to cover the cost of any crash that exceeded the cars limits. Otherwise, you would be stuck paying out of pocket for any injuries or property damage that cost more than what your friends policy covered.
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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.
Who Can Get Non
Any driver with a valid drivers license that doesnt own a vehicle is eligible for non-owner car insurance. However, many insurance companies wont offer non-owner insurance to drivers who have access to a vehicle in their household. So, if a family member or someone in your household is lending you a vehicle, non-owner car insurance isnt the appropriate choice. In this case, you are to be included on your family members insurance policy, even if its as an occasional driver.
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What Doesnt Non Owners Auto Insurance Cover
If youre getting non owners car insurance quotes before you lock into a policy, you also want to know what this policy does not cover. For instance, non-owners is secondary liability coverage that will help pay for damages youve caused to another driver . However, it will not pay for damages to the vehicle you were driving.
Here is what non owners auto insurance wont cover:
- Personal injury: If youre injured in the accident and only have liability coverage, non-owners will not pay for your medical care.
- Comprehensive or collision: If youre involved in an accident, non-owners is secondary coverage, which means it will not pay for damages the vehicle owners car insurance will.
- Personal possessions: If someone steals personal effects from the vehicle while in your possession, non-owners will not cover any lost items.
- Multiple drivers: Unlike traditional car insurance, where spouses can share a policy, non-owners only insures the policyholder.
- Work vehicle: If you own a business with a work vehicle, you wont be eligible for non-owners coverage as your car insurance.
Non owners car insurance has great coverage, but there are important exclusions that you need to be aware of before getting behind the wheel.
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If You Need To Get Your License Reinstated
State law requires drivers with license suspensions or revocations to file SR-22 or FR-44 forms to reinstate driving privileges. Both forms require proof of insurance. If you dont own a car, buying non-owner car insurance satisfies the state requirements to get your license back.
Non-Owner SR-22 Insurance
Its very easy to get non-owner SR-22 insurance ask your insurance company to file it for you if you need to reinstate your license.
Remember that non-owner SR-22 insurance is more expensive than a standard policy. You may also need to carry higher liability limits when you file SR-22, resulting in higher rates. Read more helpful tips on how to get cheap non-owner SR-22 insurance.
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Average Car Insurance Rates By Zip Code In 2022
Recently, CarInsurance.com collected automobile insurance premium data from every state and major ZIP code in the country. Our analysis shows which cities/ZIP codes have the costliest car insurance rates, on average, as well as the least expensive automobile insurance rates.
Living in a more rural ZIP code area can yield cheaper car insurance premiums as opposed to residing in a major metropolitan ZIP code. Keep reading for more about which cities are more or less expensive for car insurance.
- State Minimum: $511
- Full Coverage 100/300/100: $1,682
Youre Without A Personal Car Temporarily
Finally, non-owner car insurance can come in handy if you intend to be without a car for a short period of time but eventually plan to get another. Maybe youve sold your vehicle to study abroad, or maybe your car got totaled a month ago and you havent replaced it yet.
Since having a gap in coverage can drive up your insurance costs when you take out a new policy, you may be better off maintaining non-owner car insurance coverage.
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What Happens To My Non Owner Car Insurance If I Decide To Buy A Car
Your non owner insurance will not cover you if you get a car. You should then buy a standard car insurance policy since your state requires you to have a minimum amount of liability. Having non owner insurance can still be beneficial, as it would serve as proof that youre a responsible driver and could potentially help you lower your insurance rates.
You Drive A Friends Car
Most insurers have a policy called permissive use that covers non-owners who borrow someone elses car with permission. But if you drive a friends car often enough, their insurance company may argue that you should have been listed on their policy.
In fact, the vehicle owner may prefer you to take your own liability insurance coverage, so they dont have to worry about being responsible in the event of an accident.
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Who Shouldnt Get Non
Some drivers may not need non-owner car insurance in Florida. For example, if you are a Jacksonville resident borrowing a car from a friend, youll be covered under their policy as long as they give you permission to drive their vehicle.
Non-owner car insurance is also not for you if you do not rent a car often. If you rent a vehicle for travel outside the state only once in a while, rental car insurance is sufficient and more affordable.
What Is The Cost Of Getting Non
When comparing estimates for non-owner insurance to a standard vehicle insurance policy, it’s more difficult because you have to call each insurer separately. In general, non-owner policies are 5 to 15% less expensive than ordinary policies with equivalent coverage, according to our study. However, when comparing a non-owner policy to a full-coverage policy or insuring a high-value vehicle, the savings can be significant.
The cost of non-owners insurance coverage varies depending on the following factors:
- Your insurance policy’s limits
- Your record as a driver
- Where do you reside?
- How frequently do you plan to drive?
If you’re seeking non-owner coverage for an SR-22, keep in mind that any DUIs or incidents on your record will still negatively impact your premiums. With non-owner coverage, your rates will likely be higher than they were before the SR-22 incident, but they will be less expensive than if you still owned a car and a bad driving record.
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