What is Non-Owner Car Insurance?
Car insurance is typically associated with car owners, but there's a type of insurance for those who don't own a vehicle. Non-owner car insurance provides valuable coverage, such as bodily injury liability and property damage coverage, when you drive a car that isn't yours.
When Should You Consider Non-Owner Car Insurance?
- Borrowing Cars with Minimal Coverage: Non-owner car insurance can protect you in an accident if you often borrow cars with minimal liability coverage. Limits above minimal coverage might be required to cover potential damages or injuries, leaving you financially vulnerable.
- Frequent Car Rentals: While rental car companies may offer some insurance coverage, it often doesn't provide comprehensive liability protection. Non-owner car insurance can offer you higher coverage during rentals or when using car-sharing services.
- Avoiding Coverage Gaps: Maintaining continuous coverage can be beneficial if you have a car insurance policy but plan to give up your car temporarily. A non-owner car insurance policy ensures you won't have a coverage gap and potentially face higher rates when you reapply for insurance in the future.
- SR-22 Requirement: If you've been convicted of major traffic offenses, such as DUI or DWI, some states may require you to have a certain level of liability coverage, even if you don't own a car. Non-owner car insurance can fulfill this requirement.
Non-owner car insurance is liability coverage designed for people who don't own a car but may drive one occasionally. It protects you from potential financial liabilities if you cause an accident and are found at fault. This coverage is similar to the liability coverage required in many states for car owners.
Non-owner car insurance typically covers bodily injury and property damage claims caused by you while driving someone else's vehicle. It's important to note that non-owner car insurance usually does not include collision or comprehensive coverage, which would cover damages to the vehicle you're driving or other non-accident-related damages. Additionally, medical coverage may be excluded depending on your state and policy.
A non-owner insurance policy will typically cost less than what you would pay for liability insurance on a car that you own. However, external factors such as your driving history, location, and coverage limits can influence how much you pay.
Where to Find Non-Owner Car Insurance
AIS works with most major auto insurers and can match you with a non-owner car insurance carrier. We will explore insurance options from reputable insurers and compare prices to find the most suitable non-owner car insurance policy for your needs.
If you have any questions regarding additional coverage options, our insurance specialists are available Monday through Friday from 6:00 AM - 6:00 PM PST and can be reached directly by calling (888) 772-4247.
Additional Auto Insurance Resources
An Overview of Liability Insurance Limits
Basic auto insurance will typically include state-required liability insurance. Here's what to know.
How Much Auto Insurance Do I Actually Need?
With many so options available, how do you determine how much car insurance you really need?
Do I Really Need Rental Car Insurance?
Rental car insurance can be worth it for some, but depending on your policy, you may not need it.
What’s an SR-22 and When Do I Need One?
After a major traffic violation, you may be required to show proof of insurance using an SR-22.