Non-Owner Car Insurance

Need non-owner car insurance? Maybe you sold your car but still borrow a friend's vehicle from time to time. Maybe you rent cars regularly. Or perhaps you don't own a vehicle right now, but you need an SR-22 to meet your state's requirements. Whatever brings you here, not owning a car doesn't necessarily mean you don't need car insurance.

A non-owner insurance policy is designed for people who drive but don't own a vehicle. It typically provides liability coverage when you drive a vehicle you don't own. Infinity Insurance Agency, Inc. (IIA) works with multiple insurance carriers to help you compare coverage options based on your situation. You can start with a free quote online or call 1-855-478-3705 to talk with one of our Spanish-bilingual agents.

What is non-owner car insurance?

Here's a situation you might recognize. You don't have a car sitting in your driveway, but that doesn't mean you've stopped driving. You might rent a car for a weekend trip, occasionally borrow a friend's vehicle or use a car-sharing service when you need to get around.

Non-owner car insurance is a type of personal auto insurance for drivers who don't own a vehicle. It generally provides liability coverage when you drive a vehicle owned by someone else. Depending on the policy and state, additional coverage options may also be available. Because the policy isn't tied to a vehicle you own, it works differently from a traditional personal auto insurance policy.

Want to learn more about the basics before requesting a quote? Read IIA's guide, What is non-owner car insurance?, for additional information.

Who needs non-owner car insurance?

You don't have to own a car to have situations where auto insurance matters. For some drivers, non-owners insurance can help meet legal requirements or provide liability coverage while driving vehicles they don't own.

You may want to ask an IIA agent about a policy if you:

• Need an SR-22 but don't own a vehicle. A state may require you to file an SR-22 even when there isn't a car registered in your name. A non-owner policy may be an option for meeting the applicable insurance requirement.
• Rent cars frequently. If you're regularly at the rental counter deciding whether to purchase liability coverage, having your own non-owner policy may provide more consistent liability coverage, subject to the terms and limits of the policy.
• Use car-sharing or peer-to-peer rental services. Services such as Zipcar, Turo and Getaround make it possible to drive without owning a vehicle. The insurance provided through these services can vary, so it's important to understand what coverage applies before you drive.
• Are between vehicles. Maybe you sold your old car and haven't found your next one yet. Maintaining a non-owner policy may help you avoid a lapse in coverage, which could be a factor insurers consider when you purchase another auto policy later.
• Occasionally borrow a friend's or family member's vehicle. If you don't live with the vehicle owner and only borrow the car occasionally, non-owner coverage may be worth discussing with an agent.

But there's an important distinction. If you regularly drive a vehicle owned by someone in your household, non-owner insurance generally isn't the right solution. You may need to be listed as a driver on the vehicle owner's policy instead.

Not sure which situation describes you? That's exactly the kind of question you can bring to an IIA agent. Call 1-855-478-3705 and tell us how and when you drive. We can help you explore available options.

What does non-owner car insurance cover?

Think of this type of insurance primarily as liability coverage for you as a driver rather than coverage for a particular vehicle.

A policy typically includes bodily injury and property damage liability coverage. If you're found responsible for an accident while driving a vehicle you don't own, these coverages may help pay for covered injuries or property damage you cause to other people, up to the policy's limits and subject to its terms and exclusions.

Coverage requirements vary by state. A policy may start with the liability limits required by your state, and higher limits may be available depending on the carrier and policy. This is one reason talking with an agent can be helpful. Choosing coverage isn't only about meeting a minimum requirement. It's also about understanding the limits you're buying and how the policy may respond when you're behind the wheel.

What non-owner car insurance doesn't cover

Here's where people sometimes get confused about car insurance without a car. A non-owner policy is not the same as a standard auto policy with comprehensive and collision coverage.

Non-owner car insurance typically doesn't include coverage for:

• Damage to the vehicle you're driving through collision or comprehensive coverage
• Your own injuries through personal injury protection or medical payments coverage by default, although these coverages may be available in some states or through some carriers
• Roadside assistance
• Rental reimbursement
• GAP coverage
• Theft, vandalism or other non-collision damage to the borrowed or rented vehicle

Because a non-owner insurance policy typically doesn't include physical damage coverage for a vehicle, it may cost less than a standard auto policy. But coverage varies by carrier, policy and state, so review your policy documents or talk with an agent about what is and isn't included.

Non-owner SR-22 insurance

You don't own a car, so why would you need proof of auto insurance? It can sound strange at first. But an SR-22 requirement is generally connected to the driver and the state's financial responsibility requirements, not simply to whether you currently have a vehicle in your name.

An SR-22 isn't an insurance policy. It's a form filed with the state by an insurance company to show that a driver has the required liability insurance. If you need an SR-22 and don't own a vehicle, a non-owner policy may allow you to carry the required liability coverage while the insurer files on your behalf.

IIA can help drivers shop for non-owner SR-22 insurance and offers same-day electronic filing where applicable. Florida and Virginia drivers may encounter a similar filing called an FR-44, which generally carries different financial responsibility requirements.

If you've been told by the courts or the DMV that you need one of these filings, don't guess what comes next. Requirements vary by state and individual circumstances. Learn more about SR-22 insurance, or call IIA at 1-855-478-3705 to discuss your situation with a Spanish-bilingual agent.

How much does non-owner car insurance cost?

There isn't one price that applies to everyone. The cost of non-owner car insurance depends on several factors, and insurers may weigh those factors differently. Depending on your state and carrier, pricing factors may include:

• Your driving record
• Your age
• Where you live
• Your selected coverage limits
• Applicable deductibles for any optional coverage that includes one
• Your prior insurance history
• Your credit-based insurance score where its use is permitted

An SR-22 or FR-44 requirement and the driving history that led to the filing may also affect what you pay.

Non-owner coverage is typically less expensive than a standard auto insurance policy because it generally doesn't include comprehensive or collision coverage for a vehicle you own. But your actual premium depends on your circumstances and the carrier providing the policy.

The easiest way to find out what you may pay is to request a quote based on your information. IIA can compare options from multiple insurance carriers to help you look for coverage that fits your needs and budget.

How to get a non-owner car insurance quote with IIA

Getting a quote doesn't have to turn into a long afternoon of calling insurance companies one by one.

IIA is an insurance agency, which means we work with multiple insurance carriers. When you request a free quote, we can help you compare available options and look for personalized coverage based on your driving situation.

You can start with an online quote, or you can simply call us. If you'd rather explain your situation to a person, call 1-855-478-3705 to speak with one of our Spanish-bilingual agents. IIA has experience serving the Hispanic community across the United States, and we're here to help make the insurance conversation easier to understand.

If you need an SR-22, let your agent know. Same-day electronic filing is available where applicable.

You don't have to know every insurance term before you call. Tell us whether you rent, borrow or share vehicles, whether you need an SR-22 or FR-44 and how often you drive. We'll use that information to help you explore available coverage options.

Frequently asked questions

Can I get non-owner car insurance if I have a suspended license?

Possibly. It depends on your state, the reason for the suspension and the requirements for reinstating your driving privileges. Some drivers with suspended licenses need an SR-22 or similar filing before they can begin the reinstatement process. An IIA agent can help you look for non-owner coverage from carriers that serve drivers in your situation.

Does non-owner insurance cover damage to a rental car?

Generally, no. A typical non-owner policy provides liability coverage and doesn't include comprehensive or collision coverage for damage to the rental vehicle itself. Before renting, review the rental company's coverage options, including a collision damage waiver, and check whether a credit card you use to pay for the rental offers eligible rental vehicle benefits. Terms, exclusions and limitations can vary.

Can I add my spouse or family member to a non-owner policy?

Non-owner policies are generally written for an individual driver rather than a household of drivers. If your spouse or another family member also needs coverage, they may need a separate policy or another type of auto insurance. An agent can review your household and driving situation to help determine what options may be available.

Does a non-owner insurance policy satisfy an FR-44 requirement in Florida or Virginia?

A non-owner policy may be used with an FR-44 filing for eligible drivers who don't own a vehicle, but the requirements differ from an SR-22 and vary by state. If you've been ordered to carry an FR-44 in Florida or Virginia, talk with an agent about the specific liability limits and filing requirements that apply to you.

Will having non-owner auto insurance lower my rates if I buy a car later?

It may help you maintain continuous insurance history while you don't own a vehicle. Insurance history is one of the factors some carriers may consider when determining a future premium. However, having a non-owner policy doesn't guarantee that you'll receive a lower rate when you purchase a car. Your future rate will depend on the carrier and the rating factors that apply at that time.

Do I need non-owner insurance if I drive a company car for work?

It depends on how the vehicle is owned, how it's used and what coverage your employer provides. A company vehicle may be covered under your employer's commercial auto insurance, but that doesn't automatically mean you have coverage for every personal driving situation. If you regularly drive a company vehicle, review the employer's policy and talk with an insurance agent before assuming a non-owner policy is necessary or unnecessary.

Get a non-owner car insurance quote with IIA

You may not own a car, but you still have somewhere to go. IIA can help you compare car insurance options from multiple carriers with a free, no-obligation quote, including non-owner SR-22 options and same-day electronic filing where applicable.

Start your quote online or call 1-855-478-3705 to speak with an IIA agent. Our Spanish-bilingual agents can answer your questions, learn more about your driving situation and help you explore available coverage options.

Sometimes the best place to start isn't knowing exactly which policy you need. It's simply having a conversation.