Non-Owner Auto Insurance
Keeping you protected in any car you choose to drive
Injury damage and liability protection are covered even when you drive a car that’s not owned by you.
Non-Owner Car Insurance for the Occasional Driver
You use public transportation for most of your commuting, so you have no reason to own a car. However, every now and then you drive a car that you don’t own. If you get into an accident while driving that car, non-owner car insurance will cover you.
Non-owner car insurance covers any injuries or property damage you cause as a result of the accident. Keep in mind though, it does not cover damage to the borrowed car or any medical expenses you incur like a normal car insurance policy would cover a non-owner insurance policy. It may be cheaper to simply buy insurance at the rental counter or rely on your friend’s insurance policy to cover you if the worst happens. Though the policy may not be worth the expense, we strongly recommend you are covered before driving any car.
Who should (and shouldn’t) buy non-owner car insurance
If you travel for work and use rental cars while visiting the new city, having non-owner car insurance will fill the coverage gaps that don’t fall under the rental car company’s standard rental insurance policy. Also, if you take frequent weekend trips to places where a car is the best form of transportation, having a non-owner insurance policy will protect you in the event you cause injury or damage to another car or driver.
Should Buy Non-Owner Car Insurance If
- You frequently rent cars
- You use a car-sharing service
- You use a business vehicle for personal errands
- You want to maintain continuous coverage
- You need proof of insurance but don’t own a car
A non-owners insurance policy isn’t for anyone who doesn’t own a car. If you frequently borrow a car from someone in your household, you should generally be listed as a covered driver on their car insurance policy rather than getting non-owner insurance. That’s because, depending on where you live and which company insures the vehicle, coverage might be denied if every driving-age member of the household isn’t listed on the policy. Also, if you rarely rent car or borrow a car from a friend, it may not be cost effective to own a non-owner insurance policy. It may be cheaper to simply buy insurance at the rental counter or rely on your friend’s insurance policy to cover you if the worst happens. Though the policy may not be worth the expense, we strongly recommend you are covered before driving any car.
Shouldn’t Buy Non-Owner Car Insurance If:
- You frequently borrow your friend’s car
- You live in a household where a car is regularly parked
- You drive a company car, but only for work purposes
- You own a car
Still not sure if you should buy a non-owner auto insurance policy?
Take a look at these statistics and then decide if you are willing to take your chances of being involved in an auto claim without a non-owner auto insurance policy.
$3,160
Average loss per
property damage claim
$20,235
Average loss per
bodily injury claim
$200-$500
Average annual cost
of a non-owner car
insurance policy
($16-$49 monthly)
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