Buying non-owners insurance

Buying a non-owner car insurance policy is simple. Follow these easy steps to get coverage.

  1. Contact an auto insurance company representative about the coverage. It’s best to contact three to five companies to get quotes before you buy, so you can compare rates.
  2. If non-owners SR-22 insurance is required, provide the agent with your state notification number (if applicable – not all states require this).
  3. Supply basic driving history.
  4. Compare the quotes you’ve been given to find the best deal from a reputable company.
  5. Contact the chosen company and provide any further information needed, usually drivers license number, address and other contact information.
  6. Make a payment to begin coverage.

Where to buy non-owner car insurance?

Most major car insurance companies offer a non-owner car insurance policy, but they won’t always advertise it. A good place to start is with an insurance company you’ve already developed a relationship with. 

From there, shop around and compare quotes before you buy to find the cheapest non-owner car insurance company. Companies that offer non-owner car insurance include:

  • Farmers
  • Geico
  • Nationwide
  • Liberty Mutual
  • American Family
  • USAA
  • Auto-Owners

Of course, your driving record will affect where you can buy coverage. If you need non-owners SR-22 insurance, you may need to look into high-risk insurance, not offered everywhere.

Before you buy non-owners car insurance, make sure you understand what a non-owners car insurance policy covers and what it doesn’t to be sure it’s right for you.