Expect to pay less than you would for regular car insurance.
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Why would you buy insurance on a car you don’t own, aka non-owner car insurance? Well, maybe you need to drive a rental, are between vehicles, or need to file an SR-22. Whatever the reason, you can find affordable non-owner car insurance quotes here that you can compare directly to find the ideal provider.
Non-owner car insurance is car insurance for someone who occasionally drives another person’s car.
Non-owner car insurance usually only provides liability coverage, which is why it’s less expensive than regular insurance. Sometimes, you can add personal injury protection (PIP) and uninsured motorist coverage to pay for your medical expenses and property damage from an uninsured driver, but that’s it. Otherwise, with liability coverage only, non-owner car insurance will cover the damage and injuries third parties incur from accidents you cause.
Of course, insurance rates would be higher if you had full coverage, so at least non-owner car insurance provides liability protection for a lower price.
Yes, you can get insurance without a car – non-owner car insurance, to be specific.
You may be able to get auto insurance without a license so long as you won’t be the one driving the car. However, not every insurance company offers insurance to nonlicensed people. Look for companies like The Hartford that let you list yourself as an excluded driver, reducing the risk to the provider.
If you leave someone off your policy who drives your car regularly, it is misrepresentation, and your insurance company could cancel your insurance policy midterm.
Non-owner car insurance costs about $475 per year on average and is usually within the range of $200 to $600 annually. Because they’re typically only liability insurance, non-owner policies cost much less than regular car insurance. They also don’t have deductibles.
Only comprehensive and collision coverage, which usually aren’t included in non-owner car insurance, have deductibles.
For liability coverage, buy limits as high as you can afford, up to $500,000 for individuals with high net worths.
Here are the lowest annual rates we’ve come across.
If the accident was your fault, the party you hit can file a third-party claim with the car owner’s insurance provider. Learn more about third-party insurance.
What happens next will depend on the owner’s policy. If the policy has a permissive use clause and you borrowed the car with permission, you’ll get coverage for the accident. If there is no permissive use clause and/or you’re listed as an excluded driver, you will not get coverage and could face legal and financial trouble.
Generally, insurance follows the car, not the driver. That’s why someone would want to get non-owner car insurance for a car they don’t own, and not for themselves as a person. If they drive someone else’s car with the owner’s permission and don’t have non-owner car insurance for it, the owner would be liable for any damages the non-owner causes to third parties while driving their car.
Most car insurance does cover drivers not on your policy through permissive use clauses. Essentially, these clauses apply to anyone not on your policy who drives your car occasionally and borrows it with your permission. Only let someone borrow your car if you trust them completely, as you’ll still be responsible for any accident damages, assuming they don’t have non-owner car insurance.
Classic car insurance is usually more expensive than regular car insurance, as classic cars are no longer manufactured and thus more expensive to repair.
While you’ll have no trouble using your U.S. auto insurance in Canada, Mexico is another story. If you want to drive south of the border, it may require additional coverage.
You may need a special policy for a sports car or an exotic car. These cars are more costly to repair and typically lack safety features, so expect to pay way more for insurance.
If you need non-owner car insurance, you’ll be happy to know it costs less than regular car insurance. However, with a liability-only policy, keep in mind that only the other party’s losses will be covered. You should have a good relationship with the owner of the car you’re borrowing — and brush up on your borrowed car coverage while you’re at it.
Yes, GEICO will insure a car not in your name under non-owner car insurance.
No, your husband doesn’t have to be on your car insurance. But if he drives your car regularly, you should add him as a second driver on your policy.
Non-owner car insurance in Massachusetts is around $664 a year on average, though it ranges from $200 to $700.
A company that offers non-owner car insurance in Florida is Dairyland. To get a quote, enter your ZIP code here: https://www.dairylandinsurance.com/auto/non-owner-insurance.