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Best Non-owners Car Insurance 2022

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A liability policy for persons who drive but do not own a car is known as non-owner auto insurance. A non-owner policy is a relatively inexpensive choice for purchasing auto insurance liability coverage, whether you frequently rent or borrow a car or need to file an SR-22 without a car.

Non-owner auto insurance is often 5 percent to 15% less expensive than conventional coverage. If more than one person uses a car, they will have to be included in the car insurance policy. When this happens, you will find that non-owner insurance isn't the best option.

What is the meaning of Non-owner car insurance?

When you drive a car that you do not own, non-owner insurance, also known as non-drivers insurance, provides liability coverage for physical injury and property damage. So, suppose you're in a car accident with another motorist and are judged to be at fault. In that case, your non-owner insurance coverage will protect you from litigation, just like a standard liability policy.

Aside from liability coverage, which pays for injuries and property damage to the other party in the event of an accident, a non-owner auto insurance policy can also include:

  • Personal Injury Protection (PIP) or Medical Payments
  • Motorist Liability Insurance for Uninsured or Underinsured Drivers
  • Liability Insurance for Rental Cars

A non-owner auto insurance policy will not contain comprehensive or collision coverage because no individual car is assigned. As a result, if you're in a collision, it won't cover damage to your car, hospital fees, or other expenditures related to your injuries.

Workings of non-owner car insurance

Non-owner car insurance is acquired on a per-person basis, which means that just you, not your spouse or anybody else, will be covered by the policy.

Non-owner plans typically have no deductible, which means you won't have to pay anything out of pocket before coverage kicks in. This is because non-owner insurance is usually used as a backup plan if the car owner's primary coverage isn't enough to cover all damages.

What is the cost of getting non-owner car insurance?

When comparing estimates for non-owner insurance to a standard vehicle insurance policy, it's more difficult because you have to call each insurer separately. In general, non-owner policies are 5 to 15% less expensive than ordinary policies with equivalent coverage, according to our study. However, when comparing a non-owner policy to a full-coverage policy or insuring a high-value vehicle, the savings can be significant.

The cost of non-owners insurance coverage varies depending on the following factors:

  • Your insurance policy's limits
  • Your record as a driver
  • Where do you reside?
  • How frequently do you plan to drive?

If you're seeking non-owner coverage for an SR-22, keep in mind that any DUIs or incidents on your record will still negatively impact your premiums. With non-owner coverage, your rates will likely be higher than they were before the SR-22 incident, but they will be less expensive than if you still owned a car and a bad driving record.

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Tips to get affordable non-owner car insurance

Some of the best car insurance companies offer non-owner car insurance. One of the best ways to get affordable non-owner car insurance is by comparing multiple car insurance quotes.

You only need to give some basic personal information, your driver's license number, and a method of payment to get an estimate for non-owner insurance and to purchase coverage (such as a credit card).

Even though most major auto insurance companies provide non-owner plans, none provide online non-owner insurance estimates.

Your driving history and personal details will determine which company is the best for non-owner auto insurance, as these elements will influence your rate. Furthermore, in some states, some insurers do not offer non-owner insurance. We recommend phoning various insurers and checking multiple vehicle insurance quotes before purchasing to guarantee you get the best deal. Make a note of the need for an SR-22 or FR-44 when dealing with your insurance.

Why should you opt for non-owner car insurance?

Your insurer will send you actual proof of coverage once you've purchased a non-driver insurance policy. If necessary, you may typically have a copy emailed to you right away. If you need an SR-22 form, the insurance can file it on your behalf.

If you don't own a car, you are not legally required to carry auto insurance. However, there are a few reasons why you might want to go with non-owner auto insurance:

  • You frequently rent cars.
  • You frequently borrow other people's cars.
  • You've sold your car or won't be driving it for a long time, such as when serving in the military.
  • Because of a DUI or a significant traffic offense, you'll need an SR-22 or FR-44.

If you rent cars frequently, non-owner coverage may be less expensive in the long term than purchasing rental car insurance. The rental company's insurance normally costs at least $24 per day, so if you rent a car for 50 days or more a year, the annual cost of a non-owner auto insurance coverage will likely be more.

Always remember to:

  • Confirm with your insurer that your non-owner insurance will protect you from responsibility while driving a rented car.
  • Check to see if your credit card's rental car insurance will cover damage to a rented car. If you don't have insurance, you may want to purchase a collision damage waiver from the rental provider.

A credit card's rental car insurance will not cover you if someone sues you for damages. This free card perk covers the only damage to the rental car. Outside of having a policy for a vehicle you own, combining your credit card rental insurance with the liability element of a non-owner policy would offer you the most comprehensive coverage because your auto insurance also provides some coverage for a rental car.

Non-drivers insurance may also be a useful option if you frequently borrow cars from friends or other people. It guarantees a specific level of coverage every time you drive, so you don't have to worry about the car owner's insurance policy covering you or too low liability limitations.

Just keep in mind that if the car you borrow belongs to someone you live with or if you borrow the same car regularly, you'll almost certainly need to be added to the owner's insurance policy for primary coverage. In the event of an accident, even if you have non-owner coverage, the business that issued it may not cover you at all.

Almost every insurer hikes rates for drivers who have had a "lapse in coverage," which refers to policyholders who have gone without auto insurance for some time after previously having coverage. Even if you never drove a car without insurance, you would be considered a greater risk and not eligible for the best prices.

Because non-owner auto insurance is less expensive than regular coverage, staying protected with a non-owner policy can be a sensible choice, especially if you expect to need insurance in the future. This is especially true if you own a high-priced car.

Furthermore, suppose you are in the military and are stationed overseas. In that case, non-owner insurance may be the most cost-effective alternative, even though several providers, including USAA, offer discounts for time spent outside the nation. If that's the case, get multiple quotations from other insurers to be sure.

An introduction to Non-Owner SR22 Insurance

If you've been charged with a DUI or a significant traffic infraction, you may require SR-22 insurance or FR-44 to reinstate your driver's license. SR-22 rules may need higher limits, and you may be required to maintain this coverage for a period of two to five years to keep your license.

Because you can't file an SR-22 yourself and must rely on your insurer to do so, a non-owner SR-22 policy can be useful, especially if you don't own a car. The firm where you bought your non-owner policy can file the SR-22 on your behalf and get you back on the road to getting your license reinstated.

Non-owner insurance is less expensive, one of the main advantages of utilizing it for an SR-22. Due to whatever reason the SR-22 was required, you'll still have higher rates than others, but they won't be as high as they would have been with a standard auto insurance coverage.

Keep in remember that not every insurance company will sponsor an SR-22 or FR-44, especially smaller ones. If yours doesn't, you can get non-owner car insurance and have someone else submit the SR-22 on your behalf.

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When should you not get non-owner car insurance?

If you fall under the following categories, you should not get non-owner car insurance.

The categories are as follows:

  • If you own a car.
  • If you borrow a car from someone with whom you share a house.
  • If you rarely look to borrow your friends' car.
  • If you use a company car for business purposes.

You don't need non-owner car insurance if you own a car because your liability policy will usually cover you if you borrow or rent someone else's car. However, because this isn't always the case, it's a good idea to double-check your policy's terms with your insurer (you'll usually get at least some coverage).

Umbrella coverage is a better option if you want additional liability protection.

If you don't own a car but occasionally borrow one from a parent, spouse, or another household member, you should have your name added to their auto insurance policy. Even if you only use the car sometimes, their insurer should be informed that you reside with them, and you may be required to be named as a driver.

If you fail to do so, your insurer may refuse to cover some or all of your expenses if an accident occurs.

If you're driving someone else's car with their consent, you don't require non-owner insurance. If you get into an accident with that car, the owner's insurance will usually be deemed primary coverage and will pay for the damages.

Keep in mind the following:

  • If a claim is filed, your friend's premiums may climb, even if you were the one who caused the accident.
  • Any excess charges will be your responsibility if the damages exceed the owner's insurance coverage limits.
  • When someone other than the owner drives the car, not all insurers provide coverage. Before you go behind the wheel, double-check that you're covered.

If you drive a company car—that is, a car that your employer owns—the issue can be a little more confusing. When you drive a car for business purposes at the request of your employer, the firm or its insurance will usually cover you in the event of an accident.

If you use a work car for personal purposes regularly, you'll almost certainly be liable for any damage that occurs while it's being used for personal purposes. Therefore you should consider buying non-owner insurance.

Bottom line

Non-owner car insurance policies are meant to safeguard people who don't drive regularly but need coverage when they do. Acceptance can walk you through all of your options and provide no-obligation, no-hassle non-owner car insurance quotes so you can determine if this is the perfect coverage for you.

Although some insurance firms provide non-owner coverage, it is rarely publicized to the same level as other policies. Thus most consumers are unaware of its existence. Non-owner car insurance might be a cost-effective alternative to full coverage.

It's simple to get a quote through Way.com, and this type of insurance can save you a lot of money in the long run when contrasted to the expense of paying for medical costs and property damage after an accident.

Insurance agents recommend Non-owners car insurance for anyone who does not own a car. The policy will provide you with the necessary liability coverage to protect yourself and your assets in the event of an accident in which you were at fault. It's also worth considering if you don't own a car but still require liability insurance coverage.

Several factors influence the cost of your non-owner insurance coverage. Of course, the level of coverage you want will influence how much you pay. The cost of your monthly payment is also influenced by your driving history and the predicted frequency with which you want to use an automobile.

To learn more and receive a free non-owner auto insurance quotation, contact us today. One of our trained insurance consultants can explain how this type of policy works, what it might cover, what reasonable coverage alternatives are available, and anything else you're concerned about.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

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