What Is Non Owners Car Insurance?

If you’re driving someone else’s rented or loaned out auto, you might be able to get an affordable rate from a company that specializes in non-owner policies. But most companies won’t insure renters unless they have a family member living at the residence.

Here are some key things to know about non owners car insurance.

  • Non-owner policies offer minimum insurance requirements for states, as well as some additional benefits.
  • Most major insurers offer third party liability coverage for drivers who don’t own their cars.
  • Average annual non-owner auto insurance premiums range from $200 to $500 per year.
  • If you don’t drive, consider getting non-owner auto coverage instead of owner’s auto coverage.

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What is non-owner car insurance?

What non-owner car insurance covers

We’ve selected some of the best non-owner car insurance

What is non-owner car insurance?

You may want to consider non-owner car insurance when:


What is non-owner car insurance?

Liabilities coverage protects against legal claims for damages from third parties if you’re found liable for an accident. It doesn’t protect against accidents caused by yourself (e.g., hitting another person).

State-mandate coverage includes any type of mandatory coverage required by law for liability purposes. These may include bodily injury, property damage, medical payments, etc. They may also include optional coverage, which allows an insured person to purchase additional coverage beyond the minimum requirements. For example, some states require uninsured/underinsured motorists coverage, but most people choose to buy additional PIP coverage.

If you’re not an owner of a vehicle, then non-owner auto insurance typically covers you for the same things as a regular auto insurance plan. It will cover you for:

  • Accident injuries to other drivers caused by you
  • Damage caused by accidents involving vehicles other than yours
  • Uninsured/Underinsured Motorist Coverage
  • Medical expenses resulting from an accident

Read more about what non-owners auto coverage includes.

USAA is only available to active duty military personnel and their family members.

Most national insurance providers only give quotes over the telephone, and Progressive only provides non owners car insurance for current customers.

There are several companies who offer non owner car insurance.

  • Nationwide
  • State Farm
  • Allstate
  • Liberty Mutual
  • Farmers
  • American Family
  • Mercury
  • Acceptance Insurance
  • Dairyland
  • Direct Auto
  • The General

Drivers who don’t own their cars are less likely to get into accidents than drivers who do own their vehicles. As a result, they’re less likely than owners to need auto repair services and therefore pay lower rates for non-owner car insurances.

Your choice of coverages, your driving record, your location, and whether or not you drive often will affect the price of your non owners car insurance. Policies without deductibles don’t require you to pay anything up front.

Read more about how much non owner auto insurance cost.

2. You want to get your driver’s license back after having been convicted of driving under the influence (DUI).

If your driver’s license has been revoked because of a conviction for drunk driving or another serious motor vehicle violation, you may be required by law to obtain a new license before you can drive again. To regain your ability to drive legally, you must first complete certain steps. First, you must submit proof that you have obtained liability coverage through either a personal auto policy or a commercial automobile policy. You must then provide proof that you have paid any fines associated with your conviction. Finally, you must pay a fee to reinstate your license.

Renting cars is one of your most frequent activities.

Many states require car rentals to offer their customers liability coverage, but most don’t require them to offer enough coverage to protect renters from accidents caused by the renter’s negligence. And California doesn’t require any kind of liability insurance at all.

If you’re renting vehicles more than a few times per annum, you might consider purchasing an additional level of personal injury protection (PIP) through your auto insurer. However, this extra PIP cover could cost you up to $10-$16 per day.

If you rent a vehicle using a credit or debit account, you may be covered under the terms of the contract. However, if you use a bank account, there is no coverage available.

Use car sharing services frequently.

Most car sharing services provide insurance at no cost to the renter, but there may be an additional charge if you cause any kind of accident. If you rent from a company that requires you to pay for insurance, then you’ll need to pay for that insurance yourself.

You don’t need to pay an additional annual fee for damage protection if you use a rental company instead of owning your own vehicle.

5. You borrow a vehicle from someone else.

You should check the limits of your own personal auto coverages before buying a new vehicle. Even though you may be driving someone else’s vehicle, they may have a higher limit than yours. In addition, you might find that the cost of repairs exceeds what you would pay out of pocket. For example, you could end up paying more than $1,000 to repair damage caused by another driver who was uninsured.

You’re temporarily between cars, but there’s no one else

If you don’t own a vehicle right now, but want to be covered when you do get one, then buying a non-owners’ insurance (NOL) may be a good option for you. You’ll be able to keep your current coverage until you actually purchase a car, at which point you’ll have to switch to an owners’ insurance (OOP).

If you’re not an owner of the car, don’t use non-

If you’re looking for non-owner car insurance, then you need to be aware of some things first.

  • If you live with someone who has their own car, they may be able to get an insurance company to cover the cost of your rental.
  • Instead of using your car, use public transport or ride sharing services.
  • Renting a vehicle for just a few days every now and then isn’t worth having an expensive auto policy.
  • Don’t be so sure you won’t need one someday.

Ask the Experts

For insights into non-owner auto coverage, we asked a group of expert contributors to answer these related questions.

1. What kinds of driver should take out non-owner car insurance policies? 2. Which types of driver shouldn’t take out non-owner auto insurance policies? 3. Why do people buy non-owner car insurance if they aren’t the owner of the vehicle? 4. How can I get cheap non-owner car insurance without having to pay too much money