The Best Non-Owner Auto Insurance in 2025

A non-owner policy is generally worthwhile if you frequently rent cars, use car shares (like Zipcar), or borrow a friend or family member’s vehicle whom you don’t live with. Non-owner policies are significantly cheaper than standard policies. You can expect to pay just 20 percent of the cost of a standard policy if you have a clean driving record and decent credit.

Here’s a deeper dive into why a non-owner’s policy could be worthwhile:

• Rental cars and carshares. While rentals and carshares include minimum liability coverage, these limits might not be enough in the event of a serious accident. Note however that a non-owner policy will not cover damage to a rental car, because it doesn’t include collision coverage.
• History of continuous coverage. Non-owner policies also help you maintain a history of continuous coverage, which helps keep your premiums low over time. If you decide to buy a car eventually, you’ll get cheaper premiums due to your insurance history.
• Additional coverage in a borrowed car. While insurance generally follows the car, if you get into an accident in a borrowed car, your non-owner policy provides additional coverage limits if the vehicle owner’s liability limits are insufficient.
• SR-22 filing. You might also need non-owner coverage if you need to file an SR-22 after a serious driving violation, like a DUI, but no longer own a car. A non-owner policy proves you hold liability coverage, satisfying SR-22 requirements.
• MedPay and uninsured motorist coverage. If a car hits you while you’re walking, biking, scootering, etc., a non-owner policy can help pay for your medical bills if you’ve added MedPay, PIP, or uninsured motorist coverage (availability varies by state).
• Fulfill driver’s license requirements. In some states, you need an insurance policy in order to get a driver’s license — even if you don’t own a car. A non-owner policy fulfills this requirement, allowing you to get a license.

To identify the best providers for non-owner insurance, we evaluated companies based on four criteria. 

• Pricing (40%): We analyzed average annual premiums for non-owner insurance policies across different driver profiles nationwide. Our reviews account for average costs and potential savings opportunities based on factors like age, location, driving record, frequency of vehicle use, and available discounts specific to non-owner policies.
• Customer Experience (30%): From getting quotes and purchasing policies to making payments and adjustments, we assessed the end-to-end customer journey for non-owner insurance. Top insurers were identified based on criteria like user-friendly digital services, customer service ratings, claims satisfaction scores, and other service quality metrics.
• Claims Handling (20%): We evaluated companies’ claims handling processes by examining industry ratings like J.D. Power’s claims satisfaction scores and the National Association of Insurance Commissioners’ complaint index. Because drivers in this category don’t own vehicles, we weighted claims handling slightly less heavily.
• Coverage Options (10%): We valued insurers offering coverage options particularly relevant to non-owner insurance policyholders. This includes flexibility in liability limits, the option to add personal injury protection or medical payments coverage, and the ability to easily convert to a standard auto policy if the policyholder purchases a vehicle. 

Read more about our ratings and methodology.