If you don’t own a car but need to buy car insurance -- either to get a driver's license or have your driver's license reinstated with an SR-22 filing and need SR-22 insurance or have a DUI -- then a non-owner car insurance policy may be just what you need to get back behind the wheel. Give Insurance.com a call at 844-520-1574 and let one of our licensed agents help you evaluate quotes and buy a non-owner car insurance policy.
If you do own a car, you can shop using our quote comparison tool that allows you to compare car insurance quotes side-by-side from top insurance companies. It's free and people have saved an average of $555 when purchasing using our online tool.
Only a few car insurance companies will write you a non-owner insurance policy (also known as a named non-owner policy), and the purchase process means you will have to speak with an agent. Nonetheless, you can definitely get car insurance without a car. Understanding how to compare car insurance will help with the conversation.
Learn more about what a non-owner policy can and can't do.
- The cost of a non-owner policy
- What does a non-owner policy cover?
- Is non-owner policy right for you?
- How to buy a non-owner policy
- Non-owner car insurance companies
The cost of non-owner auto insurance varies but usually is cheaper than a policy that includes a vehicle. (You'll find sample rates below.) You also are less risky to an insurance company because you don’t have regular access to a car.
Factors that influence pricing include:
- The amount of liability insurance coverage you want
- Your driving history
- Your geographical location
- How often you plan to use a car
Of course, if your record makes you a high-risk driver needing high-risk auto insurance – you have a DUI, reckless driving or other major offense – a non-owner policy will cost more for you than it would for someone with a clean record since your driving history is a main rating factor for a non-owner policy.
Your state also may require a greater amount of liability coverage for a driver seeking license reinstatement than it does for others.
The SR-22 won’t add to the expense of your car insurance policy, but the insurer may charge a separate one-time filing fee of up to $25.
Here are some examples of rates for drivers in Southern California, comparing liability coverage quotes for both a car owner and a non-owner.
|Driver||Owner ($/yr)||Non-Owner ($/yr)||Savings|
|Single male, age 25, renter, clean record||$470||$438||7%|
|Single male, age 25, renter, DUI w/ SR22||$910||$852||6%|
|Single female, age 40, renter, clean record||$424||$368||13%|
|Single female, age 40, renter, DUI w/ SR22||$822||$718||13%|
To buy a non-owners auto insurance policy, you need only your driver’s license number and a credit or debit card to put a down payment on your policy.
You can get proof of insurance almost immediately by e-mail, and the car insurance company you choose will file an SR-22 or other required state filing on your behalf if you need it.
You must speak with an agent to obtain non-owner car insurance quotes and buy this specialty policy.
How a non-owners purchase works
- Call Insurance.com (844-520-1574) and inform the agent that you need a non-owners policy.
- If an SR-22 is required, provide the agent with the number from your notification from the state (if applicable; not all states require this).
- You’ll be asked to supply the same basic driving history as someone applying for an owner’s policy.
- The agent will give you information on the available companies and rate quotes.
- All carriers require a down payment to begin coverage, but the amount required varies greatly by company and by state. Let your agent know what you would prefer.
- Choose the company that you would like to purchase your policy through. The agent completes the purchase. In most cases the company will file the SR-22 directly with the state.
For non-owner policies, the carriers we work with include:
** Companies offer SR-22 and FR-44
Not all companies do business in all states.