Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Jun 2, 2021

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Just What's Essential

  • Non-owner car insurance is for those drivers with a license but no vehicle
  • Most top car insurance companies offer non-owner coverage
  • Non-owner car insurance is typically liability-only coverage but you can add coverages based on your needs

Although not as popular as traditional coverage, non-owner car insurance offers a less expensive option for licensed drivers who don’t own a car.

Before you buy non-owner car insurance, keep reading to determine if this type of affordable car insurance with limited coverage fits your needs.

Enter your ZIP code now to compare non-owner car insurance quotes from multiple companies near you for free.

What is non-owner car insurance?

Did you know that you can get car insurance if you don’t own a car? Non-owner car insurance is an option for drivers who don’t own their own vehicle but routinely rent or borrow a car.

Non-owner insurance will usually cover property damage and bodily injury to others if you cause an accident. It won’t cover damages to the vehicle you’re driving since the coverage is for you as the driver, not for a specific car.

Although you can sometimes add personal injury protection and uninsured/underinsured motorist coverage, you can’t add collision and comprehensive coverages.

Keep in mind that non-owner car insurance is just for one person. Unlike traditional car insurance, your spouse and family members won’t be covered with non-owner coverage.

It’s fairly easy to find non-owner car insurance companies since most major insurers will also write this type of policy. For example, you can get non-owner car insurance from GEICO instead of rental car insurance. You can also easily get non-owner car insurance from Progressive online.

Coverage is pretty cheap, too. Rates generally range from $200 – $500 a year. Although rates will be different for each driver. Just like with traditional coverage, there are many factors that affect your car insurance rates.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Who needs non-owner car insurance?

Non-owner car insurance is a good option for certain drivers. Consider this coverage if:

  • You don’t own a vehicle but borrow a car often
  • You rent cars often
  • You use a car-sharing service
  • You’re being deployed and want to keep auto insurance if you sold your vehicle
  • You need high-risk car insurance and non-owner coverage is cheaper

However, you shouldn’t get non-owner insurance if you own a car, borrow the car of someone you live with, or have a company car used only for business.

If you only borrow your friend’s car once in a while, you might be covered under their car insurance policy. According to NOLO, a car insurance policy may cover an unlisted driver if you give them permission to use your vehicle.

You may also be able to get non-owner car insurance for teenagers if your household doesn’t have a car. This might be a necessary option if your teen will only be driving someone else’s car.

None-Owner Car Insurance: The Bottom Line

Non-owner car insurance is a great option for drivers who don’t own a car. However, coverages are generally lower than you might like.

Just like with regular auto insurance, rates will vary by company. Shop around to find the most affordable non-owner car insurance available to you.

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