Best Car Insurance Company for People Who Don’t Own a Car (Deals & Tips)

GEICO, Progressive, and State Farm are the best car insurance companies for people who don't own a car. High-risk drivers who need non-owner auto insurance should consider Dairyland, The General, and Good2Go Auto Insurance. On average, non-owner car insurance is $70/mo. But your rates will vary. Shop around and compare to secure affordable rates at the best auto insurance companies for people who don't own a car.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Sep 9, 2021

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The Highlights

  • Non-owner car insurance is cheaper than standard car insurance
  • On average, you could pay $70/mo for non-owner car insurance
  • GEICO, Progressive, and State Farm are the best companies for non-owner car insurance

Are you searching for the best auto insurance companies for people who don’t own a car? Non-owner car insurance is available for drivers who don’t own a vehicle but are required by their state to get insurance.

But where can you find affordable car insurance for people who don’t own a car? Don’t worry – we’re here to help.

Read through this guide to see which companies have the best non-owner car insurance and how to get non-owners car insurance.

After you learn about the best car insurance companies for people who don’t own a car, enter your ZIP code in the free online quote tool above to compare multiple companies near you.

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

Finding the best insurance companies for people who don’t own a car isn’t as hard as it seems. Some of the top auto insurance companies provide non-owner auto insurance.

Non-owner car insurance at GEICO is cheaper than most of the top companies in the car insurance industry.

State Farm and Progressive’s non-owner car insurance is $300 more expensive than GEICO. But your monthly rates are much lower than standard auto insurance.

How much are car insurance rates for people who don’t own a car?

Several factors determine car insurance quotes for people who don’t own a car.

But the same factors won’t affect non-owner auto insurance as much. Non-owner car insurance is hundreds of dollars cheaper. Let’s look at an example of how much non-owner auto insurance costs.

  • GEICO – $52/month
  • State Farm – $76/month
  • Progressive – $81/month

These auto insurance rates are based on liability-only coverage. Non-owner car insurance usually focuses on the minimum car insurance requirements, which is liability insurance.

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How do I get non-owner car insurance?

First, you must shop with an auto insurance company that provides non-owner insurance coverage. Once you get a quote, you have an option to buy non-owner car insurance.

If you want to shop around online, try to save your auto insurance quote. You can use your saved quote to compare it to another car insurance company later.

Who should get non-owner car insurance?

Before you buy car insurance for people who don’t own a car, you should know different reasons why you need non-owner car insurance.

Let’s look at a few examples below that describe various reasons why some drivers need non-owner auto insurance.

  • Drivers who regularly rent cars
  • People who borrow other driver’s cars
  • You live abroad
  • You won’t be driving for a while
  • Drivers who sell their vehicle
  • You’ve been ordered to get SR-22, SR-50, or FR-44

SR-22, SR-50, and FR-44 are certifications for high-risk drivers who have a DUI conviction or a severe traffic violation.

High-risk non-owner car insurance is usually more expensive and demands more coverage limits.

Who shouldn’t get non-owner car insurance?

Specific situations may not require non-owner auto insurance. Let’s examine another list to see which scenarios won’t need non-owner car insurance.

  • Motorists who own a car
  • You rarely drive
  • Using a company vehicle
  • Borrowing a car of someone that lives with you

If your driving record isn’t too bad, the person you share a household with can add you as a driver on their insurance policy.

Most businesses have commercial auto insurance and worker’s compensation to cover you.

Can I get non-owner car insurance as a high-risk driver?

High-risk car insurance for people who don’t own a car is much higher than the $70 a month.

According to the Virginia DMV, FR-44 demands that high-risk drivers carry double the minimum auto insurance requirements.

Anyone with SR-22 or FR-44 certification could pay $100 more for high-risk auto insurance, but you can keep insurance rates low with the right company.

Here’s a list of companies that provide cheap high-risk auto insurance rates.

  • The General
  • Direct Auto
  • Titan Insurance
  • Dairyland
  • Acceptance Insurance
  • Good2Go Auto Insurance

Check out companies in your area, also. Many local companies are connected to some of the best companies across the United States. Continue comparing insurance until you get a policy that works for you.

How do I get cheap high-risk car insurance for people who don’t own a car?

To secure affordable high-risk auto insurance, you’ll need to qualify for discounts.

  • Automatic Payments Discount – At least 2%
  • Anti-Theft Features Discount – Varies
  • Multi-Vehicle Discount – Varies
  • Multi-Policy Discount – Up to 25%
  • Paperless Billing Discount – At least 2%
  • Pay-In-Full Discount – Up to 5%
  • Safety Features Discount – Up to 15%

If you’re shopping for non-owner car insurance because you don’t own a car, you may be eligible for big savings if you have a fair driving record.

Bad driving records may disqualify you from safe driver discounts, but a good or fair credit score can keep your auto insurance rates low.

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Best Car Insurance Companies for People Who Don’t Own a Car: The Bottom Line

Non-owner auto insurance is a great way to remain insured and keep your risk low. People who have gaps in car insurance may be placed in the high-risk pool.

To prevent this, some drivers use non-owner car insurance to remain insured until they find another vehicle, but it’s essential to budget your money regardless of your financial flexibility.

Now that you know more about the best car insurance companies for people who don’t own a car, use our free online quote tool to compare insurance companies in your area.

Frequently Asked Questions: Best Car Insurance Companies for People Who Don’t Own a Car

Do you want to know more about non-owner auto insurance? Read through these answers to frequently asked questions to learn more.

#1 – Can you get car insurance without a car?

The answer is yes. You can buy non-owner auto insurance to remain insured.

#2 – Does non-owner car insurance pay for rental cars?

No. Non-owner auto insurance covers liability situations. Therefore, your non-owner insurance policy covers bodily injury and property damage of the other driver.

Your bodily injury and property damage to your rental are not covered.

#3 – How long does non-owner SR-22 car insurance last?

SR-22 and FR-44 last for about three years.

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