[{"@context":"https:\/\/schema.org\/","@type":"BlogPosting","@id":"https:\/\/www.agilerates.com\/advice\/auto\/non-owner-car-insurance\/#BlogPosting","mainEntityOfPage":"https:\/\/www.agilerates.com\/advice\/auto\/non-owner-car-insurance\/","headline":"Non-Owner Car Insurance: What Is It and Do You Need It?","name":"Non-Owner Car Insurance: What Is It and Do You Need It?","description":"Have a driver\u2019s license but don\u2019t own a car? You might want to consider non-owner car insurance. This way, you know you\u2019re covered regardless of whose vehicle you\u2019re driving. Learn more about non-owner car insurance, including when you do and don\u2019t need it. What is non-owner car insurance? This policy is a good option if […]","datePublished":"2022-05-23","dateModified":"2023-09-05","author":{"@type":"Person","@id":"https:\/\/www.agilerates.com\/author\/mark-romero\/#Person","name":"Mark Romero","url":"https:\/\/www.agilerates.com\/author\/mark-romero\/","image":{"@type":"ImageObject","@id":"https:\/\/www.agilerates.com\/wp-content\/uploads\/2022\/06\/Mark-Romero-150x150.png","url":"https:\/\/www.agilerates.com\/wp-content\/uploads\/2022\/06\/Mark-Romero-150x150.png","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Agile Rates","logo":{"@type":"ImageObject","@id":"https:\/\/dev.agilerates.com\/wp-content\/uploads\/2019\/11\/unnamed.png","url":"https:\/\/dev.agilerates.com\/wp-content\/uploads\/2019\/11\/unnamed.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.agilerates.com\/wp-content\/uploads\/2022\/05\/Non-Owner-Car-Insurance.jpg","url":"https:\/\/www.agilerates.com\/wp-content\/uploads\/2022\/05\/Non-Owner-Car-Insurance.jpg","height":1067,"width":1600},"url":"https:\/\/www.agilerates.com\/advice\/auto\/non-owner-car-insurance\/","about":["Auto","Insurance Advice"],"wordCount":1081,"articleBody":"Have a driver\u2019s license but don\u2019t own a car? You might want to consider non-owner car insurance. This way, you know you\u2019re covered regardless of whose vehicle you\u2019re driving. Learn more about non-owner car insurance, including when you do and don\u2019t need it.What is non-owner car insurance?This policy is a good option if you don\u2019t own a car but sometimes drive a car. For example, if you regularly drive rental vehicles, borrow, or use car-sharing services, you would need non-owner car insurance.You wouldn\u2019t want this policy if you only occasionally borrowed a relative\u2019s car. Instead, you would want to be listed as an occasional driver on the owner\u2019s insurance.What does this type of insurance cover?Non-owner car insurance covers:Medical bills resulting from accidentsInjuries to other drivers in accidents that are your faultAccidents caused by uninsured driversProperty damage excluding damage to the vehicle you\u2019re drivingWhat isn\u2019t covered?Non-owner auto insurance doesn\u2019t cover damages to the vehicle you\u2019re driving. It also doesn\u2019t include property damage or injuries you might have suffered in an accident.Don\u2019t worry, though.In most cases, car insurance follows the vehicle. So as long as the car owner has full-coverage insurance, repairs to the car are covered under that policy. Is an SR-22 the same as non-owner car insurance?No.  An SR-22 is not the same. An SR-22 is what you get to get your driver\u2019s license reinstated after a serious violation such as a DUI. However, you can get a non-owner SR-22 car insurance policy if you no longer have a vehicle.When do you need non-owner car insurance?People who don\u2019t own a car aren\u2019t legally required to have auto insurance. But there are a few reasons you might want to purchase non-owner\u2019s car insurance:You regularly borrow someone else\u2019s carYou need an SR-22 or FR-44 because of a serious traffic violation, like a DUIYou regularly rent vehiclesYou sold your car or haven\u2019t used it in a while because you were deployedWho needs this policy?If you don\u2019t own a vehicle but regularly use another person\u2019s vehicle, you should have this type of insurance. Also, if you need an SR-22 because of a DUI, you should have this type of insurance. Who doesn\u2019t need this policy?There are a couple of scenarios where you wouldn\u2019t need this policy. First, if you live with someone whose vehicle you regularly use, you should be listed on their insurance policy as an occasional driver.If you only occasionally borrow a friend\u2019s car or rent a car once a year, buying this type of policy wouldn\u2019t be worthwhile. You always want to ensure that you’re covered before driving any vehicle.What to do if you have non-owner insurance and buy a carYou will no longer qualify if you purchase a vehicle. The best thing to do is contact your insurance agent and cancel your policy. Then, you need to buy a standard car insurance policy.How to get cheap non-owner car insuranceThe best thing you could do to get the cheapest policy is to call around to ensure you get the best quote.The national average cost for six months of coverage is $585 compared to $765 for standard liability-only car insurance. The cheapest company that offers non-owner liability insurance is USAA for $252 per six months, but it is only available to active or retired military members and their families.Where can you get non-owner car insurance?Not all companies advertise that they offer this policy, and sometimes they only offer it to existing customers. Who sells non-owner car insurance?These are companies that sell this policy but keep in mind that they might not sell to new customers:USAAAmerican FamilyAcceptance InsuranceFarmersDirect Auto InsuranceDairyland InsuranceGeicoTravelersNationwideLiberty MutualState FarmHow much does this policy cost?It\u2019s hard to give an exact cost as it depends on the individual. You also have to factor in that each insurer can have different costs. A policy can be between 5% and 15% cheaper than standard car insurance.The cost depends on the following factors:Where you liveYour coverage limitsHow often do you expect to driveYour driving historyIf you are getting a non-owner SR-22 insurance policy, keep in mind that any serious violations on your record will impact your insurance rates.FAQsCan you insure a car you don\u2019t own?Yes. This policy is made for people who regularly borrow another person\u2019s car or rent a car.What insurance companies offer non-owner car insurance?Many companies offer non-owners car insurance, but not all offer it to new customers. These are the companies that offer non-owner car insurance:USAAAmerican FamilyAcceptance InsuranceFarmersDirect Auto InsuranceDairyland InsuranceGeicoTravelersNationwideLiberty MutualState FarmDo I need non-owner car insurance?You only need it if you regularly use a vehicle that’s not your own. If you borrow a friend\u2019s car or regularly rent a vehicle, you need non-owner car insurance. How do I get an SR-22?You can obtain an SR-22 by filing with your state, which can be obtained from your state\u2019s department of motor vehicles. It is also known as a \u201cCertificate of Financial Responsibility.\u201d It proves that you have car insurance that meets the minimum coverage required by law.What does an SR-22 cover?An SR-22 covers any liability arising from an accident and will cover property damage. It\u2019s considered a \u201cfinancial responsibility\u201d because it covers the driver\u2019s liability to others who could be injured in an accident.Can you get insurance without a car?Yes. You can get car insurance without a car. It’s called non-owner car insurance. This type of policy covers you if you’re driving someone else’s vehicle or renting a car. You might also need to carry it if you’re required to have an SR-22.Getting non-owner car insuranceGet car insurance quotes from several companies if you want more information about non-owner car insurance. This way, you know you\u2019re getting the best deal possible.Related content:Is Car Insurance Tax Deductible? (Updated 2023)How To Buy A Car From A Private SellerWhat’s a Passive Disabling Device?"},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Advice","item":"https:\/\/www.agilerates.com\/advice\/#breadcrumbitem"},{"@type":"ListItem","position":2,"name":"Auto","item":"https:\/\/www.agilerates.com\/advice\/\/auto\/#breadcrumbitem"},{"@type":"ListItem","position":3,"name":"Non-Owner Car Insurance: What Is It and Do You Need It?","item":"https:\/\/www.agilerates.com\/advice\/auto\/non-owner-car-insurance\/#breadcrumbitem"}]}]