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 -- 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.
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 car insurance
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 $25.
Here are some examples of rates for drivers in Southern California, comparing liability coverage quotes for both a car owner and a non-owner.
|| Owner ($/yr)
|| Non-Owner ($/yr)
|Single male, age 25, renter, clean record
|Single male, age 25, renter, DUI w/ SR22
|Single female, age 40, renter, clean record
|Single female, age 40, renter, DUI w/ SR22
What does a non-owner policy cover?
Non-owner auto insurance generally covers liability (bodily injury and property damage) coverage only. Liability insurance covers the injuries or property damage to others if you’re deemed at fault in an auto accident. That means the policy does not cover the vehicle you borrow or rent if you wreck it or if it gets damaged or stolen while you're using it.
With a non-owner policy, you can purchase different limits of liability. If your state has demanded you to file an SR-22 or FR-44 filing, choose at least the amount of liability coverage the state has mandated you carry on a car insurance policy.
Non-owner can include medical coverages, such as medical payments or uninsured motorist, in certain states.
Non-owner insurance does not include the following types of coverages:
- Towing reimbursement
- Rental reimbursement
Your non-owner liability coverages can be used as secondary coverage if you borrow someone’s car and are in an auto accident; the car owner’s auto insurance would be primary.
Some insurers offer non-owner policies that extend coverage to rental cars. If your intention is to buy a non-owner insurance to cover you when you rent vehicles, you need to check with the insurance company you’re purchasing from to make certain its policy will. Keep in mind that rental car companies usually are required, by law, to provide the state minimum liability coverage for its cars.
Is non-owner car insurance for you?
Typically a non-owner policy is available to motorists who:
- Have a valid driver’s license (or can get one by obtaining a car insurance policy)
- Don’t own a vehicle
- Don’t have regular access to a car
If there will be a time when you don't own a car for a while, get a non-owner policy so that you retain continuous insurance coverage. This will allow you to retain continuous coverage and open you up for discounted rates.
The definition of “regular access to a car” varies by auto insurer, but with some it means use of a vehicle as little as once per week or four times a month.
Some car insurance companies won’t allow you to buy a non-owner policy depending on how many primary drivers and vehicles that are listed on the policy. If there are three drivers and cars listed on the policy, and you're one of the drivers, you will have to be the primary driver on the third vehicle and won't be able to be listed as a non-owner.
In certain cases, you may even opt for a non-owner policy when you own a vehicle. If you're required to file a certificate like an SR-22 or FR-44 and your current carrier does not offer them, you can take out a supplementary non-owner policy with another company to meet this obligation. Because your vehicle won't be covered by this secondary policy, the extra costs involved in this strategy are usually low.
How to buy non-owner car insurance
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.
Non-owner car insurance companies
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.