To purchase a non-owner auto insurance policy, you need only your driver’s license number and a credit or debit card. You can get proof of insurance almost immediately by email, and the car insurance company you choose can file an SR-22 or other required state form on your behalf if you need it.
Non-owner car insurance isn’t available online, so you’ll have to contact an agent or the insurance company directly to get non-owner car insurance quotes and buy a policy.
Key takeaways
- You need a drivers license and method of payment to buy a non-owner policy.
- Non-owner car insurance generally can’t be quoted or purchased online.
- Contact a few companies for quotes to compare before you buy.
Buying non-owners insurance
Buying a non-owner car insurance policy is simple. Follow these easy steps to get coverage.
- 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.
- If non-owners SR-22 insurance is required, provide the agent with your state notification number (if applicable – not all states require this).
- Supply basic driving history.
- Compare the quotes you’ve been given to find the best deal from a reputable company.
- Contact the chosen company and provide any further information needed, usually drivers license number, address and other contact information.
- 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.
