Non-Owner Car Insurance

Getting coverage for a car you don't own that is right for you.
Call Now 833-669-8821
Liability coverage for non-owner drivers

Non-owner car insurance policy

If you currently don’t own a vehicle but drive around regularly, you may find value in a non-owner car insurance policy. This policy is designed to provide liability coverage for non-owner drivers or those who rent cars often.

A non-owner liability policy will pay for any bodily and property damages that you cause as a result of an accident. For example, if you were to cause an accident while driving a friend’s car, your insurance company will cover damages incurred by the third party. This means that any injuries to you- or damages to the vehicle that you’re driving, won’t be covered by most non-owner car insurance policies. This means that any injuries to you- or damages to the vehicle that you’re driving, won’t be covered by most non-owner car insurance policies.

Non owner car insurance quotes
Request free quotes now

Understanding non-owner car insurance

The primary benefit of a non-owner policy is to limit one's extent of liability while on the road. If you were to borrow a friend’s car and cause an accident, your friend’s auto insurance policy should cover most of the damages incurred. However, if the damages exceed your friend's liability coverage, you may be personally responsible for the remaining balance. A non-owners policy comes in handy to limit liability in such situations.

  • Non-owner car insurance for high-risk drivers

Non-owner car insurance is also useful for high-risk drivers. If you have a DUI, speeding tickets, and other violations on your driving record, you may have a challenging time receiving regular policy coverage. A non-owners’ policy provides timely and reliable liability coverage for high-risk drivers who don’t currently own a vehicle.

Furthermore, a non-owner policy allows high-risk drivers (who don’t currently own a vehicle) to have their licenses reinstated. This is because when you’re applying to reinstate your license, you must demonstrate proof of continuous insurance coverage. A non-owner policy allows you to prove to the DMV that you currently have coverage for minimum liability.

What is covered in non-owner insurance?

The most basic coverage for a non-owner policy will apply to third-party injuries and property damages (which you may have caused during an accident). However, there are other coverage options that you may add to a non-owners car insurance policy (all applying to liability damages). These include:

  • Personal injury protection
  • Medical payments coverage
  • Coverage for accidents involving an underinsured/non-insured motorist
  • Rental car liability insurance

By having control over your extent of liability, you can protect yourself from incurring hefty bills after causing an accident. For example, if you were at fault for a recent accident while driving someone else's car, the victims may sue you for damages and even come after your assets. Drivers in the past have lost their properties (such as homes) as a result of being liable after an accident.

However, a non-owners insurance policy doesn’t offer comprehensive coverage for the car that you’re driving. This is because the policy isn’t tied to any specific vehicle, which makes it harder for insurers to calculate the extent of liability.

For high-risk drivers, having liability coverage is of utmost importance. This is because you may not have the benefit of doubt after an accident, and the vehicle owner’s insurance company may hesitate to cover an accident that you caused. Having a non-owners policy will limit your extent of liability in such situations.

Who should get a non-owner car insurance policy?

The big question that motorists ask themselves is whether they need a non-owners policy. Indeed, this type of coverage is not for everyone. You should be aware of when you actually need it so as to save on paying additional premiums.

Here are 4 situations where you should obtain a non-owners policy.

  • If you rent vehicles often
  • If you regularly borrow a friend’s car
  • If you temporarily don’t own a vehicle but wish to maintain liability coverage

Non-owner car insurance is not for drivers who own a vehicle or who live with someone that does. If you regularly drive a car that is owned by someone within your household, you should be listed on the policy of that vehicle owner.

Filing an SR-22 for license reinstatement

As previously mentioned, a non-owners policy comes in handy for high-risk drivers who may need their licenses reinstated. For example, if you’ve been convicted of a DUI or another serious traffic offence, your license may have been suspended. A common condition for having it reinstated is by filing for SR-22 insurance.

The DMV may want to ascertain that you're maintaining continuous insurance coverage, mainly because they view you as a higher risk driver. If you own a vehicle, your insurance company will file the SR-22 as part of your regular policy.

However, those who don’t own a vehicle may need to obtain a non-owners insurance policy specifically for license purposes. This is the only path towards a successful SR-22 filing and ultimately having your license reinstated.

Car Insurance for High Risk Drivers

Compare quotes from up to 30 companies now.

    How to find a competitive non-owners car insurance policy

    The good news is that non-owners policies cost significantly less because you don't own a vehicle. In fact, the most expensive costs for a non-owners plan will amount to $1100 a year, with prices being as low as $250 a year.

    High-risk drivers can expect to incur about 20-25% higher premiums. You can get competitive rates by comparing quotes, having a clean driving record (leading up to the quote), and inquiring about any available discounts
    Compare Rates Now!

    More Articles For High Risk Driver Types

    High risk drivers come in all shapes and sizes

    Going to college is a great experience. Driving a car can add extra convenience and provide additional opportunities of exploration. But coverage can be expensive. Learn more how to get cheaper insurance.

    Male drivers under 25 are notoriously high risk drivers. Because of this most auto insurers will deem you to be high risk and charge higher rates. So what can you do?

    Accumulating traffic tickets will quickly increase your rate and as a result your monthly car insurance payment goes up. Learn more what you can do.

    DUI/DWI's are one of the major events that will have huge effects on your car insurance payment. You may get dropped or find that your premium just increased over 400%. Learn more what you can do here.

    Need more information?

    We will email you additional information just complete below.

    Get a Free Quote Today!