Non-owner car insurance: what is it? (2022)

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It’s possible — and sometimes necessary — to buy car insurance without owning a car. In this article, Home Media’s review team will take an in-depth look at non-owner auto insurance, including what’s covered, how much these policies typically cost, and recommendations for the best car insurance businesses that sell to non-owners.

What is non-owner auto insurance?

Non-owner auto insurance provides coverage for drivers who do not own a car but regularly drive using borrowed cars, rental cars, and car-sharing services. You are eligible for non-owners insurance if you have a valid driver’s license and do not own a vehicle.

Can I buy insurance without a car?

Yes, you can buy auto insurance if you don’t own a car but need to drive another vehicle. In these cases, a non-owner auto insurance policy may provide liability coverage for damage or injury in accidents where you are the at-fault driver.

What does non-owner auto insurance cover?

Non-owner auto insurance is similar to liability auto insurance. This means that it pays the cost of damages after an accident caused by you. Liability coverage does not reimburse damage to your vehicle or injury to you or your passengers. However, it will cover your legal costs if you are sued.

Types of liability insurance:

  • Personal injury liability: Covers medical expenses and lost wages for other drivers and their passengers
  • Property damage civil liability: Covers the cost of damage to vehicles and property of other parties

How does non-owner auto insurance work?

Non-owner auto insurance coverage is considered secondary coverage. If an accident is covered by several insurance policies, the secondary policy only pays for what is not covered by the main policy. For example, if you borrow a friend’s car and are involved in an accident, your friend’s car insurance policy will pay first, and your non-owner’s policy will cover any remaining costs or damages. beyond your friend’s limits of liability.

Also, non-owner auto insurance policies generally do not include a deductible. There are coverage limits which are determined when you take out your policy.

Auto Insurance Policy Options for Non-Owners

Some auto insurance policies for non-owners may offer add-ons such as coverage for underinsured or uninsured motorists and personal injury protection (PIP). These policies cover the following:

  • Uninsured/Underinsured Motorist Coverage: Covers damage to your vehicle, person and passengers if an underinsured or uninsured motorist causes an accident
  • Personal Injury Protection (SEED): Covers your medical expenses and medical bills for your passengers after an accident, regardless of fault. The PIP also covers lost wages.
  • Medical payments (MedPay): Similar to PIP coverage, but does not cover lost wages.

Secondary coverage

Non-owner auto insurance coverage is considered secondary coverage. If an accident is covered by several insurance policies, the secondary policy only pays for what is not covered by the main policy. For example, if you borrow a friend’s car and are involved in an accident, your friend’s car insurance policy will pay first, and your non-owner’s policy will cover any remaining costs or damages. beyond your friend’s limits of liability.

Do you need insurance if you don’t have a car?

Auto insurance policies for non-owners are not suitable for all drivers. Below are several situations in which you should and should not purchase non-owner car insurance.

Get insurance without a car

You may want to skip coverage if you find any of the following applies to you:

How much does non-owner car insurance cost?

Non-owner auto insurance is generally less expensive than a standard liability policy. According to our market research, the costs range from $200 to $600 per year. Typically, a non-proprietary auto insurance policy does not include a deductible.

Car insurance quotes for non-owners

If you are considering purchasing a non-owner auto insurance policy, we recommend that you obtain quotes from several providers. Most top vendors and a free quote tool are included below.

Like insurance quotes for your own car, non-owner’s insurance quotes vary by provider and a number of other factors, including:

  • Age
  • Marital status
  • Driving history
  • Credit score
  • State
  • Town

Auto insurance for non-owners: conclusion

Buying a non-owner car insurance policy can be a good idea for drivers who don’t own a car. It gives you liability coverage and the ability to purchase additional coverage like bodily injury protection or underinsurance/uninsured motorist coverage. Many car insurance companies offer these bonuses like those included below.

Best non-owner auto insurance

If you need to purchase a non-owner’s policy, you will have many options to choose from. Most of the nation’s largest auto insurance providers offer auto insurance for non-owners, including:

  • Allstate
  • Farmers
  • Geico
  • Liberty Mutual
  • At national scale
  • progressive
  • state farm
  • USAA

You can request for free auto insurance quote from several of these suppliers using the tool below. Be sure to consider two insurers that top our list of best car insurance companies: Geico and USAA.

Geico: 9.2 out of 10.0

Geico is one of the best known insurers in the United States. It’s not just because of its memorable publicity, but also because it offers the cheapest insurance coverage for many drivers. This is partly due to the many car insurance discountsuch as:

  • Multi-policy discount
  • Multi-vehicle discount
  • Good driver discount
  • Good student discount
  • Security Feature Discounts
  • Discount on new vehicles
  • military discount
  • Emergency Deployment Discount
  • Discounts for federal employees

Keep Reading: Geico Insurance Review

United States: 9.5 out of 10.0

On the Home Media review team, we rate USAA as well as Geico, and for many of the same reasons. The only downside to USAA is that it’s not available to all pilots. In order to be eligible for a policy with USAA, you must be a military member or have a family member with a USAA account. But for those who are eligible, USAA offers cheap car insurance policies, as well as many discounts, including:

  • Multi-vehicle discount
  • Discounts for safe driving
  • Good student discount
  • Discount on new vehicles
  • Discount for low mileage
  • Vehicle storage discount
  • Family discount
  • Loyalty discount
  • Military Installation Discount

Keep Reading: USAA Insurance Review

You can also read our direct comparison of these insurers in our USAA vs. Geico Review.

Because consumers rely on us to provide unbiased and accurate information, we’ve created a comprehensive rating system to formulate our ranking of the best car insurance companies. We’ve collected data on dozens of car insurance providers to score companies on a wide range of ranking factors. The end result was an overall score for each provider, with insurers who scored the most points at the top of the list.

Here are the factors taken into account by our assessments:

  • Cost (30% of total score): Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities were both taken into consideration.
  • Coverage (30% of total score): Companies that offer a variety of insurance coverage choices are more likely to meet consumer needs.
  • Reputation (15% of total score): Our research team considered market share, industry expert ratings, and years in business to assign this score.
  • Availability (10% of total score): Auto insurance companies with greater state availability and fewer eligibility requirements scored higher in this category.
  • Customer experience (15% of total score): This score is based on volume of complaints reported by the NAIC and customer satisfaction ratings reported by JD Power. We also considered the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own customer analysis.

*Data correct at time of publication.

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