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Non-owner insurance provides secondary liability coverage for damages and injuries caused by drivers who need proof of insurance for a car they do not own
Car Insurance Spouse Suspended License
Written by: Daniel Robinson Written by: Daniel Robinson Writer Daniel is a team guide writer and has written for a number of automotive news and marketing companies across the US, UK and Australia, specializing in auto finance and car care topics. Daniel is the authority on the guide team for auto insurance, loans, warranty options, auto repair and more.
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Edited by: Rashawn Mitchner Edited by: Rashawn Mitchner Editor-in-Chief Rashawn Mitchner is a guide team editor with over 10 years of experience covering personal finance and insurance topics.
It is possible (and sometimes necessary) to buy an auto insurance policy without owning a car. In this article, we at the Guide team take a closer look at non-owner car insurance, including what’s covered, how much a policy usually costs and recommendations for the best car insurance companies that sell to non-owners.
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The guide team is dedicated to providing you with reliable information to help you make the best possible decision about insuring your vehicle. Because consumers rely on us to provide objective and accurate information, we have created a comprehensive rating system to formulate a ranking of the best car insurance companies. We’ve collected data on dozens of auto insurance providers to rate companies based on a wide range of ranking factors. After 800 hours of research, the end result was the overall score for each provider, with the insurers with the most points at the top of the list.
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Non-Owned Car Insurance provides coverage for drivers who do not own a car but drive regularly using loaner cars, rental cars and car sharing services. You qualify for non-owner insurance if you have a valid driver’s license and do not own a vehicle.
If your driver’s license has been suspended for a DUI or failure to maintain insurance, a non-owner auto insurance policy is an essential step toward getting your driver’s license back. Combined with an SR-22 or FR-44 financial responsibility form, a non-ownership policy proves you’re serious about getting back behind the wheel.
A non-owner car insurance policy is considered a “named insured” policy. This means that only the person listed on the policy is covered. Many providers will not include a spouse on a non-owner policy, so be sure to clarify this with your insurance agent.
Yes, you can buy auto insurance if you don’t own a car, but you must drive another vehicle. In these cases, a non-owner’s car insurance policy can provide liability coverage for damages or injuries in accidents where you are the at-fault driver.
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Non-owner car insurance is similar to liability car insurance. This means that it pays the costs of damages after an accident you caused. Liability coverage does not pay for damage to your vehicle or any injuries you or your passengers suffer. However, they will cover your legal fees if you are sued.
Non-owner auto insurance is considered secondary coverage. If the accident is covered by multiple insurance policies, the secondary policy pays only what is not covered by the primary policy. For example, if you borrow a friend’s car and get into an accident, your friend’s insurance policy will pay first, and your non-owner’s policy will cover any remaining costs or damage beyond your friend’s liability limits.
Additionally, non-owner auto insurance policies typically do not include a deductible. There are coverage limits that are set when purchasing a policy.
While it provides basic liability coverage, non-owner auto insurance can be best defined by what it doesn’t cover. Here are some exceptions to the non-ownership rule that you should be aware of:
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Some non-owner policies may offer additional types of car insurance that are often found in standard full coverage car insurance policies, such as:
Non-owner car insurance policies are not for every driver. Listed below are a few situations in which you should and should not purchase non-owner car insurance.
When renting a vehicle, consider purchasing rental car insurance from your rental company. If you have your own non-owner auto insurance policy, you may be able to avoid this expense. If you rent frequently, it may be cheaper to have your own policy.
Car-sharing services like Zipcar provide liability coverage, but liability limits are low. They can also include a large deductible that you would have to pay in the event of an accident (sometimes in the thousands). If you regularly use such a service, it is worth having your own cover.
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You can be personally liable for damages if you run into a work vehicle while using it for non-business purposes. Non-owner’s insurance provides you with liability protection.
Failure to maintain continuous auto insurance coverage can result in higher rates when you decide to purchase auto insurance again. If you’re between vehicles, a non-ownership policy is an inexpensive way to maintain ongoing coverage.
If your driver’s license has been suspended for a DUI or failure to maintain adequate insurance, you could be considered a high-risk driver. In that case, you may need to file an SR-22 Insurance Financial Responsibility Form (or FR-44 in Florida and Virginia) before your license can be reinstated. To get an SR-22, you’ll need proof of insurance, and a non-owner’s policy meets that requirement.
If you frequently borrow the same person’s vehicle, you should be listed on their auto insurance policy instead of purchasing non-owned car insurance.
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Many insurers will not sell you a non-ownership policy if you have regular access to a particular vehicle that belongs to someone in your household. Instead, the insurer will require you to be listed on that vehicle’s owner’s policy.
If you own a vehicle, you should purchase a policy for that vehicle, not a non-owner’s car insurance policy.
Non-owner car insurance costs vary significantly from state to provider. Your state’s minimum insurance requirements play an important role here.
In general, a non-owner policy costs less than a traditional car insurance policy. According to our market research, the annual cost of a non-owner policy can range from about $200 to more than $1,200. Typically, a non-owner policy does not include an auto insurance deductible.
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If you are considering purchasing a non-owner car insurance policy, we recommend that you compare car insurance quotes from three or more providers. Many of the best suppliers and a free quote tool are listed below.
Like your own car insurance rates, non-owner insurance rates vary by provider and a number of other factors, including:
Buying a non-owner car insurance policy can be a good idea for drivers who do not own a car. It provides you with liability coverage and the option to purchase additional coverage such as bodily injury coverage or uninsured/underinsured motorist coverage. Several car insurance companies offer these premiums like the ones listed below.
If you need to buy a non-ownership policy, you will have many options to choose from. Most of the nation’s largest auto insurance providers offer non-owner auto insurance, including:
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You can request free car insurance quotes from several of these providers using the tools below. Be sure to consider the two insurers that topped our list of the best car insurance companies: Geico and USAA.
Geico is one of the most well-known and affordable insurance companies in the country, offering some of the cheapest car insurance rates on average. In addition to its DriveEasy program, which helps insurers drive safely and save on premiums, Geico offers 16 auto insurance discounts that include:
Drivers with USAA can often get some of the most affordable premiums in the country – but to qualify for coverage, they must be members of the military, veterans or immediate family members of USAA policyholders. USAA consistently scores high in customer satisfaction for several J.D. studies. Energy consumers and offers fantastic discounts, such as:
A non-owner car insurance policy is liability coverage for drivers who do not own a car. It is most likely to be purchased by drivers who frequently rent cars or borrow their friends’ vehicles. Non-owner auto insurance policies are also a good option for drivers whose licenses are suspended but need to maintain coverage.
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While you don’t have to own a car to insure it, you can’t buy a car insurance policy in which you have no financial stake. However, non-owner car insurance will allow you to insure rental cars or car sharing while you use them.
Geico will insure a car that is not in your name. However, you must be able to prove that you have a financial stake in the vehicle.
Because consumers rely on us to provide objective and accurate information, we have created a comprehensive rating system to formulate a ranking of the best car insurance companies. We’ve collected data on dozens of auto insurance providers to rate the companies
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