Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Sep 21, 2021

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Key Takeaways

  • GEICO has the lowest rates for non-owner car insurance
  • Non-owner car insurance is cheaper because drivers drive less frequently
  • Non-owner car insurance covers injuries, property damage, and medical bills

Non-owner car insurance is available from the best car insurance companies. This coverage is for drivers that don’t own a vehicle, and GEICO has the lowest rates. Knowing more about the best companies for non-owner car insurance will help you obtain affordable coverage.

Before you learn about the best companies for non-owner car insurance, enter your ZIP code to find free auto insurance rates in your area.

What are the rates from the best companies for non-owner car insurance?

Comparing the rates for drivers without a car will help you find the best affordable companies for non-owner car insurance. The following chart shows the average annual rates for non-owner car insurance based on the company.

Average Annual Rates from the Best Companies for Non-Owner Car Insurance
CompanyAverage Annual Non-Owner Car Insurance Rates
Allstate$638
Farmers$521
GEICO$311
Nationwide$677
Progressive$576
State Farm$408
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As you can see, GEICO has the lowest average car insurance quotes for drivers that don’t own a vehicle.

You’ll also notice that the best companies’ rates for non-owner car insurance are cheaper than for car owners. Non-owner coverage doesn’t include comprehensive and collision since there isn’t a specific car on the policy.

Auto insurers also assume that drivers will be driving less frequently if they don’t own a car. Less driving decreases the likelihood that they’ll get into an accident and file a claim, resulting in lower rates.

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What is covered by the best companies for non-owner car insurance?

Car insurance provides various coverages; this is car insurance 101. As previously mentioned, a non-owner auto insurance policy doesn’t offer the same protection as other car insurance policies because non-owners don’t need to protect a vehicle.

When you buy non-owner car insurance, there are four types of protection you’ll receive. These include:

  • Injuries to other drivers in accidents you cause
  • Property damage, excluding damage to the vehicle you’re driving
  • Accidents caused by an uninsured/underinsured motorist
  • Medical bills resulting from accidents

The two primary coverages left off these policies are comprehensive and collision, covering repairs to your vehicle, regardless of fault.

How can you find coverage from the best companies for non-owner car insurance?

Non-owner car insurance is not a typical type of coverage, so many auto insurance companies don’t offer it. When inquiring about the best companies’ quotes for non-owner car insurance, you might be referred to a company that does offer this type of auto insurance.

It can be hard to find a non-owner auto insurance quote online, so you’ll likely have to call companies to find out if they offer coverage.

Who needs the best companies for non-owner car insurance?

Now that you know what non-owner car insurance is, you might be wondering if you need this coverage. The following are some of the situations in which you should consider purchasing non-owner car insurance.

Get Non-Owner Car Insurance if You’re Seeking to Get Your License Reinstated

If you have a suspended driver’s license following a DUI conviction or another serious traffic offense, state laws require you file an SR-22 or FR-44 to retain your driving privileges.

This process involves proving you have auto insurance. Non-owner car insurance meets state requirements for those without a vehicle.

Get Non-Owner Car Insurance if You Frequently Rent Vehicles

Most states have a minimum amount of auto insurance coverage that’s required to operate a vehicle. However, this coverage is usually minimal and won’t cover most situations.

Rental customers can buy additional coverage at a rental counter, but rental companies charge you by the day, which can get expensive.

If you rent vehicles more than a few times a year, it might be cheaper to purchase non-owner car insurance. In addition to annual coverage, the insurance covers any car you drive, so you won’t have to buy insurance each time you rent.

Get Non-Owner Car Insurance if You Frequently Use Car-Sharing Services

Car-sharing companies allow members to rent a car nearby for a brief period. This is the perfect solution if you don’t own a car and are traveling beyond walking distance.

Like traditional car rentals, these companies offer liability coverage as part of the membership fee and usually extra coverage or a reduced deductible for an annual cost. Non-owner car insurance allows you to have one policy for all vehicles instead of dealing with multiple fees.

Get Non-Owner Car Insurance if You’re Borrowing a Car

When you’re borrowing a vehicle from a car owner, the car owner’s policy covers you. However, you might not know how much coverage they have. Additionally, you’re not the insurance company’s customer, which can complicate the claims process.

Non-owner car insurance allows you to have your own policy so you know what’s covered. It will also simplify the claims process as you can deal with the entire process yourself since it’s your policy.

Get Non-Owner Car Insurance if You’re Temporarily Between Cars

A time might come when you are looking to buy a new vehicle but don’t currently own one. However, you’ll still need insurance to drive.

There’s no need to buy a full policy when you don’t have a car to cover. Non-owner auto insurance provides the necessary coverage until you’re ready to buy a car.

There are also situations in which you shouldn’t purchase non-owner car insurance. The following are some of the circumstances in which you should avoid non-owner auto insurance.

Avoid Non-Owner Car Insurance if You Live With Someone Who Owns a Car

Car owners require auto insurance on their vehicles. If you don’t own a car but live with someone who does, you probably drive their car most of the time. In most cases, this is enough coverage for you.

Avoid Non-Owner Car Insurance if You Rarely or Never Drive

Non-owner auto insurance is excellent for those that frequently use rented or borrowed cars but is probably not worth it if you rarely drive. In most cases, rental insurance or the car owner’s coverage should be enough.

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Best Companies for Non-Owner Car Insurance: The Bottom Line

When shopping for non-owner car insurance, you’ll find that GEICO has the lowest rates. The coverage doesn’t offer full protection, but it is enough if you don’t own a vehicle. Understanding the best companies for non-owner car insurance will ensure you have the right coverage.

Now that you know about the best companies for non-owner car insurance, enter your ZIP code to get free auto insurance quotes in your area.