Car insurance is for people who either don’t have their own car or rarely use one. Maybe you normally take public transportation but sometimes rent a car when you travel or hop into a shared car to go somewhere. If you frequently borrow cars from others, non-owner car insurance may be right for you.
Even though non-ownership auto insurance is not the best option for most people, you may want to consider this type of coverage if you use a borrowed or family member’s personal vehicles often. You may need to get added to the policy regardless of who owns the actual title. Your state may require this even if the person lending you the cars doesn’t own them.
Find out how much you could save on your auto insurance by switching carriers.
Compare personalized rates to get an idea of how much switching car insurance would cost you.
Can you buy non owners car insurance without a vehicle?
Non-owner auto policy covers bodily injury and/or personal injury caused by an insured person driving another person’s motorized land transportation (such as a passenger automobile, motorcycle, moped, bicycle, etc.) when the insured person has permission from the owner or lessee of the motorized land transportation. Non owners car insurance does not provide coverage for damages to the motorized land transportation driven by the insured person.
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Non-Owner auto insurance covers everything except for damage caused by
With an auto insurance plan, you usually get the basic coverages but you can always add some extra features if you want. These might include:
- If you’re involved in an auto crash where the at fault party doesn’t have sufficient coverage, uninsured/underinsured motorist (UM/UIM) coverage may be able to help pay for damages.
- Personal Injury Protection (PIP) pays for your injuries regardless of who caused them.
Medical payments or
If you’re not an owner of the car, non-owner auto policies don’t cover damage caused by collisions or compensatory damages. They may pay for repair or replacement of your personal property, but they won’t pay for damage to your car.
Typically there isn’t any deductible on non-owner car insurance.
You don’t need non-owner auto insurance!
If you’re not sure whether you need an owner’s or renter’s insurance plan, here are some situations where you may want one.
You must get an SR-22 or an FR-44 form
If your state requires proof of liability car insuﬃce before they will issue you a new driver’s lisence, insurers will need to submit these documents to the DMV for you.
You need an ID card from your DMV to get or reestablish your driver’s licence
Insurance companies may ask for proof of financial responsibility if they suspect you’ve been driving without insurance before.
You often use a car-sharing system
Some car-sharing services, such as ZipCar and Turo, provide insurance for their members’ vehicles. However, this usually isn’t enough to cover your vehicle if you cause an accident. You might want to consider purchasing supplemental insurance through a personal auto insurer.
You want to keep up regular coverage
If you go without auto insuarnce for a short time, it might be cheaper to buy non-ownersurance rather than skip it altogether.
You rent cars frequently
If you don’t own a vehicle, non-owner insurance might be cheaper than liability insurance at the counter when renting a vehicle. You can also use it for added protection against accidents if you’re concerned about getting into one. Typically, it doesn’t include any kind of collision-related benefits, so you’d need to pay extra for that separately.
You often borrow other people’s cars
If the cost of repairing the vehicle exceeds its value, the car owner’s insurer would pay for the repairs.
Suppose you’re at fault for causing an accident while driving someone else’s vehicle, and the other party needs $35,000 in medical expenses. If the owner of the vehicle doesn’t have enough insurance to pay for the entire cost of treatment, then you would be liable for the difference between the $25,000 limit of his/her bodily damage coverage and the $10,000 maximum amount of your own personal auto insurance coverage.
If you’re not an owner of a vehicle, don’t purchase auto insurance
A homeowner’s insurance policy isn’t your best option when dealing with flood damage.
You usually lend a car to someone in your family
If the vehicle you usually use most frequently is owned by someone else, you should generally get owner’s insurance for that vehicle rather than getting non-owners insurance. That’s because coverage might be rejected if every driving-age family members aren’t listed on the insurance plan.
You don’t drive often or not at all
If you’re just using a rented vehicle for occasional trips, then buying a separate auto policy isn’t likely to save you any money. You could probably get by without one.
It’s always wise to check if you’re insured before driving someone else’s car. If you get into an accident and they don’t have coverage for it, you could be liable for any damages.
You can purchase non-owner auto coverage from any number of different companies.
You’ll usually need to contact an insurer or broker to obtain a non-owner auto insurance policy. Some insurers, like Progressive, only provide these policies to their current customers.
We’ve verified that these companies offer non-owner auto insurance, but not all of them provide information online. To obtain a policy, you may need to contact the insurer directly or use an independent broker.
Some companies that offer non-owner auto coverage may not be able to sell it in every state; USAA sells auto coverage only to active military members and their families.
If you don’t own your own car, State Farm offers a Personal Mobility Coverage (PMC) plan for California residents. It covers both liability and uninsured motorist protection, plus comprehensive and collision coverage. You’re also protected if you ride a bicycle or take a ridesharing trip.
What is non-owner car coverage?
If you’re not sure whether you want to purchase auto liability (liability) or collision (collision), consider purchasing both types of policies. You may save money by doing so. However, if you decide to cancel one type of coverages after purchasing them, you will likely have to buy another type of coverages at a later date.
Depending on your age, driving history, and frequency of driving, the cost of car insuarance may vary. For example, young drivers pay less than older drivers for similar coverage.