Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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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 Chris Harrigan

UPDATED: Mar 21, 2022

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Key Takeaways

  • Non-owners insurance is a liability policy for drivers who don’t own a car but need auto insurance
  • GEICO offers a non-owners car insurance policy
  • Non-owner auto insurance is usually less expensive than those purchased straight from the rental provider

It’s not a common scenario, but there are reasons you might want to insure a vehicle you don’t own. Maybe your car broke down, and you’re borrowing a car from a family member or friend. Or perhaps someone gifted you a car that’s registered in their name.

In any case, you may be wondering whether you can get insurance coverage for a vehicle not registered in your name. In some instances, yes, you can insure a car that’s not yours. 

But whether or not you can get coverage for a car that doesn’t belong to you often comes down to who your insurance provider is and where you live. 

Which brings us to the question will GEICO insure a car, not in your name? 

Keep reading to learn more about GEICO car insurance policies for non-owner car insurance and how it compares with other insurance companies. 

Does GEICO offer non-owner car insurance?

You can buy a non-owner car insurance policy from GEICO that will allow you to carry coverage on a car that’s not in your name.

Bear in mind that if you are driving a car owned by someone else in your household, you may need to be added to their policy in order to be covered. That’s particularly true if the car is in the name of a parent or guardian. In fact, that may be the more affordable option.

Non-owner insurance is liability coverage for drivers who drive but don’t own a car. For those who borrow or rent a car often, a non-owner insurance policy is a relatively inexpensive way to purchase car insurance coverage. 

Here are a few examples of individuals who may need a non-owner insurance policy:

  • A teen or high school graduate planning to continue their education who can afford the cost of insurance but can’t afford to buy their own car
  • A licensed driver who doesn’t own a car but drives rental cars often
  • A motorist who often borrows a vehicle from their relatives, friends, neighbors, or anyone who doesn’t have them listed as an insured driver on their policy

Many insurance companies, GEICO included, offer cheap non-owner liability car insurance policies to individuals who do not own a vehicle. 

What are some pros and cons of non-owner car insurance?

A non-owner car insurance policy can include protection coverage, rental car liability coverage, and uninsured motorist protection. But just like any other type of insurance, non-owner auto insurance does have its pros and cons.

Pros

  • Non-owner insurance coverage is usually less expensive than those purchased straight from the rental provide.
  • It offers liability coverage on rental vehicles
  • More convenient – It allows those who don’t often drive to get the most out of their driving at a lower cost
  • It ensures your profile has zero gaps in coverage

Cons

  • A non-owner car insurance policy covers the driver, not the vehicle. That means it won’t cover any damage to the car you’re driving.
  • Non-owners auto insurance is purchased on a per-person basis, meaning it won’t cover your spouse or other family members
  • It won’t cover medical bills for you if you’re in a collision. 

It’s important to make sure you have the right coverage for your needs.

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Does GEICO have a limit for how many cars it can cover?

Yes, GEICO allows you to cover up to nine vehicles per policy.

Most if not all insurance companies in the US allow you to insure multiple vehicles, but not every company will allow the same number of cars on an online quote. Our research found that GEICO lets you add the most vehicles of any major insurance company out there.

            Insurer   Maximum Number of Cars
GEICO                         9
Progressive                         8
Farmers                         5
Liberty Mutual                         4
Allstate                         4
State Wide                         4
Nationwide                         4

If you need to insure more than 10 vehicles, you may be able to do so by working directly with an agent or purchasing a commercial car insurance policy. 

Note that GEICO’s comprehensive auto insurance does not cover the following:

  • Accident or collision-related damages
  • The cost of rentals while waiting for repairs
  • Roadside assistance or towing
  • Medical treatments
  • Replacement of personal property

However, you can add additional coverages, including collision liability with GEICO.

How does GEICO compare with other auto insurance companies?

When choosing the best auto insurance for your needs, many factors come into play. Here are some key questions to consider before getting a quote.

  • Which company offers the best car insurance discounts and rates for my needs?
  • Is the company’s reputation good?
  • What type of coverage does the company provide?
  • How satisfied are the customers with each company’s services and claims process?
  • What’s the financial stability of each company?

GEICO is considered a leader in the auto insurance space, having been in the insurance business since 1936. But how does it compare with other auto insurance companies? 

Check out this car insurance comparison chart. 

Insurance Company No. of Discounts Average Annual Rates Higher/Lower Than National Average Annual Rate
Allstate       11     $4,532.96   23.82% (higher)
American Family       18     $3,698.77   1.03% (higher)
Farmers       23     $3,907.99   6.75% (higher)
GEICO       14     $3,073.66   -16.04% (lower)
Liberty Mutual       17     $5,295. 55   44.65% (higher)
Nationwide       11     $3,187.20   -12.94% (lower)
Progressive       13      

     $3,935. 36

    7.5% (higher)
State Farm       10     $,2731. 48     -25.39% (higher)
Travelers       13     $3,729.32     1.87% (higher)
USAA         8     $2,489.49     -32% (lower)

According to the data above, USAA car insurance has the lowest rates. However, the company only provides insurance for military personnel and their family members. 

GEICO is not far behind at $3,073 per annum. The company’s rates are also 16% lower than the national average. It also has 14 discount types, which is more than what most of the major players in the industry are offering. 

Why You Need Car Insurance

Yes, car insurance is a requirement in almost all states. It’s not a requirement, though, for drivers in Virginia and New Hampshire to buy auto insurance. 

That said, most drivers buy car insurance because it is the law. 

But that’s not the only reason you should buy auto insurance. Without insurance, you’d be stuck paying out of pocket for any car crash you’re liable for, which could cost you thousands of dollars. Besides vehicle coverage, there are many other reasons to buy car insurance. 

Here are some reasons to get auto insurance.

  • Car insurance can save you the cost of repairs in the event of a crash
  • Auto insurance helps you protect yourself
  • Auto insurance helps protect your passengers
  • Your lender or leasing agent may require auto insurance
  • Car insurance offers financial protection
  • Auto insurance can also protect your assets

In the realm of auto insurance, the cost is always indicative of the extent of coverage you can get from a specific policy or insurer. 

So, for you to get all the benefits above, you’ll need to look beyond cheap car insurance. A low-priced plan can offer less coverage and expose you to many risks. 

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GEICO Non-Owner Car Insurance: The Bottom Line

GEICO offers non-owners car insurance. This type of insurance can be useful in many scenarios, especially if you don’t own a personal vehicle but borrow one more than 10 times a month. When shopping for non-owner insurance, be sure to check the coverage available in your state.