Non-Owner Car Insurance Coverage
Non-owner car insurance coverage provides drivers who don’t own a vehicle liability insurance that meets minimum state requirements. It is not required, but it is a good idea to purchase non-owner car insurance if you often drive borrowed or rented vehicles. Non-owner car insurance quotes from companies like GEICO average between $300 and $500 per year.
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Written by
D. Gilson, PhD
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Reviewed by
Leslie Kasperowicz
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UPDATED: Feb 18, 2021
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- Non-owner car insurance is specifically for drivers who don’t own a vehicle
- Non-owner insurance provides liability coverage that meets the minimum state requirements
- Rates average between $300 and $500 per year
You know car insurance is required to drive legally, but what if you don’t own a car? Do you still need insurance coverage? There is an option, referred to as non-owner car insurance (or non owner car insurance). But do you actually need this coverage? What does it include? Can you compare car insurance for non-owner coverage? Can you buy non-owner car insurance from GEICO? Read this article to find out.
Want to start shopping for affordable non-owner car insurance? Take a minute to use your ZIP code in our free tool to start comparing non-owner car insurance rates today.
What is non-owner car insurance?
Non-owner car insurance is exactly what it sounds like: car insurance for people who don’t own vehicles. Non-owner car insurance meets the minimum liability coverage requirement set by each state.
You can also buy add-ons like personal injury protection and uninsured/underinsured motorist coverage (which may be a good idea to consider, given that an average of 13 percent of drivers are uninsured, according to the Insurance Information Institute).
It’s typically a good idea to purchase non-owner car insurance coverage if you don’t own a vehicle but often borrow or rent one. That way, you have coverage if you get in an accident while driving someone else’s vehicle. However, like standard liability coverage, non-owner car insurance will only cover the costs of the other driver’s property and medical expenses (up to your policy limits).
You typically don’t need non-owner car insurance if you own a vehicle, are listed as the primary driver on a particular vehicle, you are using a vehicle in a business context (in this case, you should look into commercial non-owner coverage), or you don’t currently have a driver’s license (and won’t be able to obtain one within 30 days).
Which companies offer non-owner car insurance?
Most of the best car insurance companies sell non-owner car insurance coverage. So you should be able to purchase non-owner coverage from GEICO. So how much does non-owner car insurance cost? On average, rates are between $300 and $500 per year, and to give you an idea of what you might pay, we’ve pulled average rates from a few of the major companies. Take a look.
| Insurance Company | Average Annual Non-Owner Car Insurance Rates |
|---|---|
| GEICO | $311 |
| State Farm | $408 |
| Farmers | $521 |
| Progressive | $576 |
| Allstate | $638 |
| Nationwide | $677 |
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These are baseline rates, which will vary depending on where you live, your age, your driving record, and other factors.
What is commercial non-owner coverage?
If you own a business, you can purchase non-owner coverage to be added to your commercial policy, so you have liability coverage in the event one of your employees uses their personal vehicle for occasional business use. However, this coverage will not apply if the vehicle is in any way officially connected to your business.
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Non-Owner Car Insurance: The Bottom Line
Non-owner car insurance provides liability coverage that meets the minimum coverage requirements in your state and is a good idea to purchase if you don’t own a vehicle but regularly borrow or rent vehicles.
You can purchase non-owner coverage from most major insurance companies, and rates average between $300 and $500 per year.
Ready to buy non-owner car insurance? Use your ZIP code in the free tool on this page to start comparing non-owner car insurance quotes today.