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: Aug 30, 2021

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Key Takeaways

  • If you don’t own a car but want or need car insurance, a non-owner car insurance policy may be right for you
  • Non-owner car insurance typically only provides liability coverage
  • Many major car insurance companies offer non-owner car insurance, but you may need to call them directly to get quotes
  • You may end up paying between $200 and $500 per year for non-owner car insurance

Even if you don’t own a car, you may find yourself in a situation where you want or need car insurance. Some of these reasons may include getting your license reinstated, regularly renting vehicles, or avoiding gaps in coverage.

Read below to learn about non-owner car insurance, the best car insurance companies for people who don’t own a car, and how much you may need to pay.

Before learning more about the best car insurance companies for people who don’t own a car, enter your ZIP code into our free quote comparison tool above to find non-owner car insurance quotes near you.

Can I buy car insurance without owning a car?

If you do not own a vehicle but occasionally drive another person’s car or rent vehicles, you may want to purchase non-owner car insurance. What is non-owner car insurance? It provides liability coverage for people who do not own their own vehicle.

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What are the best car insurance companies for people who don’t own a car?

Below are some companies that provide non-owner car insurance:

Many major car insurance companies sell non-owner car insurance. However, not all of them will disclose this online or offer online quotes. Therefore, you may need to call the company directly.

Some companies, such as Progressive, only offer a non-owner policy to existing customers.

What does non-owner car insurance cover?

Non-owner car insurance typically only provides liability coverage, which means that you will only be covered for damage that you cause to another person’s property or injuries caused to another person. However, this does not include damage to the car you’re driving or your own injuries.

In most cases, a non-owner car insurance policy will provide the minimum amount of liability coverage required by your state. However, you may be able to purchase higher coverage amounts.

You may also be able to get non-owner coverage that includes uninsured/underinsured motorist coverage, which would pay for your injuries if you are in an accident caused by another person that doesn’t have enough liability coverage.

Personal injury protection (PIP) may also be added to your non-owner insurance policy, which would cover the cost of your injuries regardless of who is at fault.

Non-owner car insurance does not include collision or comprehensive coverage. You are also unlikely to find temporary non-owner car insurance since most companies provide policies of six months or one year.

How much is non-owner car insurance?

Non-owner car insurance rates are lower than what you would pay for an equal amount of liability coverage for a vehicle that you own. You may have to pay between $200 and $500 per year for a non-owner car insurance policy.

GEICO may offer cheaper rates than other companies, but if you are a high-risk driver that needs an SR-22, you may be able to find cheaper coverage from companies like The General.

Non-owner car insurance is typically cheaper for two reasons. First, it doesn’t offer as much coverage as other policy types. It only offers liability coverage.

The second reason is that the non-owner car insurance company assumes that you don’t drive as often as someone who owns a vehicle, which means you are less likely to file a claim or be in an accident.

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Should I buy non-owner car insurance?

Non-owner car insurance can be beneficial for people in specific situations. Some high-risk drivers specifically may use non-owner car insurance to get their license reinstated or to provide the proper insurance documentation to their state offices.

If you consistently use a car-sharing service or rent vehicles, you may also want to consider purchasing non-owner car insurance. Even if coverage is provided by the company you get the car from, this may be very limited coverage.

This is also the case if you regularly borrow someone’s car. If the owner of the vehicle doesn’t want to put you on their insurance policy, you may want to buy a non-owner car insurance policy to make sure you’re protected.

When you borrow a vehicle from someone that you live with, you are typically required to be listed on the insurance, and therefore should be already covered if you’re in an accident.

If you are in between vehicles but want to avoid gaps in your coverage, non-owner car insurance is a cheap way to continue your coverage. However, if you never or rarely drive, non-owner car insurance may not be worth it.

Enter your ZIP code into our free quote comparison tool below to find quotes for the best car insurance companies for people who don’t own a car.