What Is Non-Owner Auto Insurance?
Non-owner car insurance is car insurance for someone who occasionally drives another person’s car.
How It Works
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.
What It Covers
- Bodily injuries you cause to another party
- Property damage you cause to another party
- Your medical costs, if you have PIP
- Your bodily injuries and property damages from accidents caused by uninsured drivers (sometimes)
What It Doesn’t Cover
- Your property damages
- Your injuries, if you lack PIP
Can You Get Car Insurance Without a Car?
Yes, you can get insurance without a car – non-owner car insurance, to be specific.
Can You Get Car Insurance Without a License?
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.
Who Needs Non-Owner Car Insurance?
- A person who will frequently rent a car
- Someone who is between vehicles and doesn’t want to have a gap in coverage (as continuous coverage leads to lower rates)
- Someone the state requires to file an SR-22 certificate but doesn’t own a car (for example, if you have a bad driving history that includes a DUI conviction)
- Someone who borrows a friend’s car
Who Doesn’t Need Non-Owner Car Insurance?
- A person who owns a car
- A person who drives the car of someone in their household and is listed as a secondary driver on their policy