D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Jul 19, 2021

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Just the Basics

  • Non-owner car insurance is perfect for drivers who don’t own their own car or drive often
  • Many major auto insurance companies offer non-owner insurance
  • Non-owner car insurance is liability-only coverage, but you can add coverages like personal injury protection if you wish

Non-owner car insurance is for drivers who don’t have their own car, don’t drive often, and aren’t covered under another policy.

Although the cost of non-owner car insurance is usually cheaper than a standard policy, costs are determined by the usual factors that affect the price of car insurance, such as your age and driving record.

It’s possible to find affordable non-owner car insurance if you shop around. Compare quotes from top-rated companies to find cheap non-owner car insurance.

Enter your ZIP code now to compare non-owner car insurance rates.

What is non-owner car insurance?

It might surprise you to learn that you can get car insurance without a car.

Non-owner car insurance is exactly as it sounds. It provided liability coverage when you drive a car you don’t own.

This type of insurance will cover bodily injuries and property damage for the other driver if you are at-fault in an accident. It won’t cover any damages to the car you are driving because the coverage is not for a specific car.

You can also sometimes add coverages to your non-owner policy, including personal injury protection and uninsured/underinsured motorist, and rental car liability coverages.

Non-owner car insurance also won’t cover anyone else. So if you are married, your spouse or children would have to get their own coverage.

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Who needs non-owner car insurance?

Non-owner car insurance is for someone who doesn’t own a car. Some scenarios where you might need a non-owner policy are:

  • You often borrow a car from someone that doesn’t live with you
  • You rent cars often
  • You use a car-sharing service
  • You sold your car or won’t be driving for an extended period of time, like a deployment
  • You need SR-22 insurance and non-owners SR-22 is cheaper

Although the owner’s car insurance will typically cover you if you borrow a car and get in an accident, you might want to consider your own policy. That way you know exactly what coverage you have.

You shouldn’t get this coverage if you own your own car or borrow an already-insured car from someone who lives with you. According to NOLO, you would automatically be covered under their insurance through permissive use.

You would also not need non-owners car insurance if you drive a company vehicle for business purposes only.

A non-owner policy can sometimes be used in place of temporary coverage, especially if you need the insurance for a longer period of time.

How much does non-owner car insurance cost?

Non-owner car insurance is generally less than the same coverage in a standard policy. Since drivers with a non-owner policy generally drive less, it makes sense for car insurance companies to charge less.

There aren’t non-owner car insurance companies that only offer that coverage.

However, there are many different companies that offer non-owner car insurance, including the major ones. For example, you can get non-owner car insurance from GEICO and Progressive. However, Allstate doesn’t offer non-owner car insurance.

Before you buy non-owner car insurance, shop around and compare rates to find the best coverage for your needs.

Enter your ZIP code now to compare non-owner car insurance quotes.