Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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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 Jeffrey Johnson

UPDATED: Mar 10, 2022

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Just the Basics

  • GEICO offers non-owner car insurance that covers any bodily injury liability and property damage to other vehicles
  • You can add more coverage to a non-owner policy for further protection such as personal injury, uninsured/underinsured motorist, and rental car liability insurance
  • GEICO may allow you to insure a vehicle you do not own if you provide proof that you have a financial stake in the car

Finding out how car insurance companies deal with cars that don’t belong to you can be challenging and confusing. However, several coverage options are available for drivers who want to purchase insurance on a vehicle that doesn’t belong to them. Drivers who use cars other than their own have options for coverage.

GEICO auto insurance is one of the least expensive car insurance companies on the market. It offers fantastic customer service and competitive rates for cheap full coverage car insurance and other coverage options.

GEICO is also ideal for situations like purchasing insurance for a vehicle you do not own, acquiring driver insurance, and buying a permissive use insurance policy.

Though GEICO auto insurance is notoriously inexpensive and reliable, you may benefit from pursuing options with other car insurance companies. Consider using your ZIP code in our free car insurance comparison tool to see which coverage options work best for you.

Can you insure a car you don’t own with GEICO?

Many insurance companies allow you to insure a car you do not own, but the process may be challenging. Insurance companies will ask you to prove that you have a vested interest in the vehicle and are committed to a car’s maintenance before they allow you to insure cars you do not own.

After providing coverage, insurance companies want to ensure that a vehicle will not become a liability. As a result, GEICO may request proof that you will care for the car financially. Proper documentation and bills related to the car can prove your financial stake in it.

Most often, if you are purchasing insurance for an immediate family member, car insurance companies will allow you to buy insurance for a vehicle that doesn’t belong to you. Family members often buy insurance for a child or dependent who just began driving.

There are other ways for a driver to be safe behind the wheel. Non-owner insurance, for example, provides a driver with liability-only coverage while driving cars that do not belong to them.

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GEICO Offers Non-Owner Car Insurance

If you cannot insure a vehicle you do not own, you could purchase non-owner car insurance. Non-owner car insurance is beneficial for all drivers who frequently operate vehicles other than their own. This plan covers bodily injuries and damage to other drivers if you are at fault in a car accident.

Non-owner car insurance does not cover everything, so you are liable for damages to the car you operate if an accident happens. By default, non-owner car insurance is not full coverage insurance. Non-owner insurance is more likened to liability-only coverage and does not offer as much coverage as comprehensive or collision insurance.

Comprehensive insurance covers damage from vandalism, theft, or road debris, and it will also protect you in the event of poor weather damaging your vehicle. Collision insurance helps pay for repairs to your car after an accident or collision with an object. Unlike collision and comprehensive coverage, non-owner insurance is small and covers specific circumstances.

You may purchase additional options to enhance your non-owner coverage. This modular setup means you can add personal injury, uninsured/underinsured motorist insurance, and rental car liability insurance to your policy.

Your non-owner car insurance policy only covers you, not your spouse and children.

GEICO offers affordable non-owner insurance rates, costing about $300 annually or $25 per month. With low rates like this, GEICO remains one of the least expensive car insurance companies on the market for non-owner insurance.

You do not need to be a GEICO customer to purchase a non-owner policy. However, bundling a non-owner policy with other GEICO policies may reduce the overall premium.

Who should get a non-owner insurance policy?

Drivers who frequently rent cars or expect their vehicle to be inaccessible for a long time may benefit the most from a non-owner policy. Those who often travel also may be interested. Anyone who drives a vehicle they do not own can get added coverage from a non-owner insurance policy.

However, there are many cases where you will not need a non-owner insurance policy. This exception often applies to family members living in the same home. You and your family do not need non-owner insurance to use each other’s cars because this would be covered under permissive use.

Permissive use is when a driver allows another person to drive and use their vehicle. Since insurance covers permissive use, the driver is covered by name on your auto policy. Permissive use can apply to friends and family members.

Additionally, drivers using a company-owned vehicle do not need non-owner insurance because the company policy should cover all employees.

If you’re leaving your home for an extended period, you may benefit from canceling your full or partial coverage policies and starting a non-owner policy. Those studying abroad, leaving for deployment, or leaving home for a short-term work assignment may also want to consider adopting non-owner insurance.

Will GEICO cover my car if someone else is driving?

GEICO will cover your car if you have permitted someone else to use your vehicle. Ideally, if you are driving a car, it is assumed that you have permission from the vehicle owner. The driver’s policies cover most drivers if the vehicle owner is a family member.

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Non-Owner Car Insurance May Fit Your Needs

There are plenty of options for those looking to insure a vehicle they do not own or start a non-owner policy with GEICO auto insurance. Though it’s possible to insure a car you do not own, GEICO may require documentation to prove your financial interest in the car.

Alternatively, non-owner insurance insures vehicles that are not in your name as you drive them. Adding additional coverage options can boost your policy.

Now that you know what non-owner car insurance is and how it can be beneficial, you can keep yourself protected when you drive a car you do not own. Whether you like to travel, rent cars without rental insurance, or need extra coverage, non-owner insurance from GEICO could be a perfect fit for you.

Though finding the right insurance policy for you may be challenging, we are here to help. To see the best car insurance rates on the market, use your ZIP code in our free car insurance comparison tool.