Non-owner automobile insurance, also known as non-owners insurance or non-drivers insurance, covers those who don't own a car but occasionally drive another's.
Non-owner automobile insurance is for persons who don't own a car yet need to drive every now and then. Perhaps you commute by train most of the time but hire a car on vacation or use a shared car to a conference every now and then. Non-owner insurance may be appropriate for you if you frequently drive other people's automobiles.
Non-owner automobile insurance, on the other hand, is not the greatest option if you frequently borrow a vehicle from a family or a friend. Rather, you should be included in the car owner's insurance coverage. This may be required based on their insurer and your state, even if the automobile belongs to an unrelated roommate and you don't have a valid driver's license.
There are a few things to bear in mind if you're considering acquiring a non-owner automobile insurance policy. The driver, not the vehicle, is covered under a non-owner car insurance policy. That implies any damage to the car you're driving won't be covered by your insurance.
Because it's a liability policy that solely protects the other driver, it won't cover your medical bills if you're hurt. If you want injury coverage for yourself, you'll need to add a personal injury insurance supplement. Non-owner insurance is purchased per person, so your spouse and other family members are not covered.
You can determine if non-owner auto insurance is correct for you now that you know the advantages and drawbacks.
Additional resources to get a quick cheap non owners insurance quote:
Non-owner car insurance rate
Non-owners' plans have different insurance costs depending on the company. Drivers who are considered high-risk, such as those who have a DUI on their record, will always pay a higher cost. Your age, where you reside, and how often you expect to drive are all factors that influence how much you pay. Non-owner policies, on the whole, are less expensive than normal auto insurance.
Best way to get non-owner auto insurance?
You only need your driver's license information and a credit or debit card to acquire non-owner auto insurance coverage. You can acquire proof of insurance almost instantly by email, and your vehicle insurance provider can file an SR-22 or other appropriate state document on your behalf if you need it.
You must talk to an agent to get a non-owners auto insurance quote.
Purchase non-owner insurance by following these steps:
- To learn more about the coverage, speak with a representative from your auto insurance company. Provide your state notification number to the agent if non-owner SR22 insurance is required (only if applicable not all states require this).
- Supply basic driving history.
- Receive information on companies that are available as well as insurance rate quotes.
- Choose the firm and quote that best suits your requirements.
- To begin coverage, make a down payment. The amount necessary varies a lot depending on the firm and the state.
- The acquisition is completed by the agent. In most circumstances, if an SR-22 is required, the insurance company files it directly with your state.
What non-owner car insurance covers
A non-owner car insurance policy usually only contains the coverage kinds that your state requires, though you can often choose levels that are greater than the minimums. These may include, in addition to liability coverage:
- Uninsured/underinsured motorist coverage pays up if you're hurt in a car accident caused by a driver who doesn't have adequate or any liability insurance.
- Medical payments, often known as personal injury protection, pay for your injuries following a car accident, regardless of who is at fault.
Collision and comprehensive coverage are not included with non-owners insurance. The coverage in a conventional auto policy covers repairs or replacement of the vehicle you own.
Who needs non-owner car insurance?
Non-owner car insurance is optional in most states, while most states mandate a minimum amount of liability coverage. If you perform any of the following, it is recommended that you acquire a non-owner insurance policy:
v Frequently rent cars:
Having an annual non-owner auto insurance coverage can be less expensive than renting a car and purchasing rental car insurance from the rental business each time. Rental car insurance is more expensive than a non-owner policy if you drive a rental car for more than 50 days per year. Inspect to see if your non-owner coverage covers rental vehicles.
Remember that even if your credit card company provides rental car insurance, it won't cover liability fees. When your non-owner liability policy is combined with your credit card insurance, you have comprehensive coverage.
v Frequently borrow someone else's car.
Non-owner automobile insurance is a sensible investment if you frequently borrow a friend's car. You won't have to worry about whether or not your friend's insurance will cover you, or whether or not your friend's liability coverage is sufficient to keep you from having to pay out of pocket.
Always keep in mind that if you borrow a car from someone you live with, your non-owner car insurance policy will likely not cover you. If you frequently use a family member's or roommate's automobile, it's a good idea to have them add you to their insurance coverage.
v Don't drive for an extended period of time.
Assume you don't need standard insurance coverage because you don't own a car or won't be driving for a long time. A non-owner automobile insurance coverage can help you avoid gaps in your insurance history in this instance.
If you do plan on obtaining regular auto insurance in the future, keep this in mind because gaps can result in a rate hike. For military personnel on deployment, a non-owner car insurance policy is generally the most cost-effective solution.
v Regularly use car-sharing services.
While most car-sharing services offer the state's minimal liability insurance as part of the rental charge, drivers are frequently asked to pay an extra damage fee before the insurance kicks in. A non-owner coverage can help you save money.
v For a length of time, you go without an automobile.
Let's say you're in between cars and want to buy a new one. In that situation, a non-owner policy is a cost-effective solution to keep your status as a long-term insurance client, which will help you achieve better prices on owner's insurance. Non-owner automobile insurance will also protect you when you're test-driving cars.
v You require an SR-22 form from your insurance provider.
If you need your driver's license renewed after a major driving conviction, such as a DUI, you'll need an SR-22 form from your insurance provider. This document establishes your insurance coverage. A non-owner policy is a more convenient and cost-effective approach to meet your state's insurance needs.
v Applying for a new driver's license.
In some states, when you apply for a new driver's license or reinstate an expired driver's license, you must have some kind of liability insurance. A non-owner policy is, once again, a more cost-effective option to demonstrate you have half-insurance.
Additional resources on reasons you might need a non owners insurance policy:
Who should not purchase non-owner auto insurance?
A non-owners policy isn't the best option in these circumstances.
- An automobile is usually borrowed from a household member.
Instead of getting non-owner insurance, if the vehicle you drive most often belongs to a person you live with, you should normally be listed as a covered driver on their auto insurance policy. Because it depends on where you live and the insurance company insuring the vehicle, coverage may be denied if not all driver-age members of the family are included in the policy.
- You drive rarely or not at all
If you only drive once a year or borrow a friend's car on occasion, non-owner auto insurance may not be worth the money. If things get worse, it might be cheaper to just buy rental insurance or rely on the insurance policy of your friend to cover you.
However, before getting behind the wheel, double-check to make sure you're covered. If you borrow a friend's car and have an accident, not all insurance companies will pay for the damage.
If you're seeking non-owner coverage for an SR-22, keep in mind that any DUIs or incidents on your record will still have a negative impact on your premiums. With non-owner coverage, your rates will likely be higher than they were before the SR-22 incident, but they will be less expensive than if you still owned a car and a bad driving record.
Additional resources to find the best non owners insurance quotes: