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 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 – 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.
Single male, age 25, renter, clean record:
- Car owner: $470 a year
- Non-owner: $438 a year
Single male, age 25, renter, DUI with SR-22 requirement:
- Car owner: $910 a year
- Non-owner: $852 a year
Single female, age 40, renter, clean record:
- Car owner: $424 a year
- Non-owner: $368 a year
Single female, age 40, renter, DUI with SR-22 requirement:
- Car owner: $822 a year
- Non-owner: $718 a year
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 a quote 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 ACCC, Infinity, Dairyland, Peachtree Casualty, National General, Progressive and Titan. Not all companies do business in all states.
For SR-22s and FR-44s, the carriers we work with include Infinity, Dairyland, National General, Progressive and Titan. Not all insurance companies do business in all states.