Non Owner Car Insurance Quotes

Drive legally when you borrow or rent. Compare liability options, learn how SR 22 filings work without a car, and avoid overpaying for short trips and occasional use.

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What it covers and what it excludes

  • Liability to others bodily injury and property damage if you are at fault.
  • Optional SR 22 filing when required by your state.
  • Often includes UM or MedPay or PIP depending on state rules and insurer.
  • Does not include collision or comprehensive for the vehicle you drive.

Who should consider non owner

  • Frequent renters or car share users who want consistent liability protection.
  • Drivers between cars who want to avoid a coverage lapse.
  • People who must file an SR 22 but do not own a vehicle.

Rentals and car sharing explained

For rentals, your non owner policy may provide liability. Physical damage to the rental is usually handled by a collision damage waiver at the counter or by a credit card’s rental protection. For car share platforms, the platform provides its own liability program for hosts and guests, with limits and deductibles that vary by plan.

How to buy step by step

  1. Enter your driver details, license, and address.
  2. Choose liability limits that meet or exceed your state minimum. Consider higher limits for better protection.
  3. Add SR 22 filing only if your state requires it.
  4. Bind the policy and save your digital ID card. Print a copy for rentals if you prefer paper.

Cost and smart savings

  • Compare at least two or three providers before you buy.
  • Ask about discounts such as safe driver, telematics, pay in full, and paperless.
  • If you rarely drive, compare a non owner policy against rental counter coverage plus a credit card’s rental benefit.

Compare top providers

Features and availability vary by state. Check your exact price with a quick quote.

Provider comparison table with highlights and quote actions
ProviderHighlightsAction
EverQuote
  • Online quote available
  • Digital ID cards after bind
  • Telematics or safe-driver discounts may be offered
Get Quote
QuoteWizard
  • Online quote available
  • Digital ID cards after bind
  • Telematics or safe-driver discounts may be offered
Get Quote
SmartFinancial
  • Online quote available
  • Digital ID cards after bind
  • Telematics or safe-driver discounts may be offered
Get Quote

Tip: try at least two quotes. Results vary by state, vehicle, and driving pattern.

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FAQs

What is non owner car insurance?

A liability only policy for drivers who do not own a car but borrow or rent. It pays for injuries and property damage you cause to others when you are at fault. It usually does not cover damage to the car you drive or your own injuries.

Can I add an SR 22 to a non owner policy?

Yes. Many insurers can file an SR 22 with a non owner policy if your state requires it after a violation or suspension.

Is it cheaper than a regular policy?

Often yes because it is liability only and assumes lower vehicle access, but price still depends on record, age, location, and limits.

Does it include comprehensive or collision?

Typically no. The car owner’s policy or the rental company’s damage waiver handles the vehicle you are driving.

How does it work with rental cars and car sharing?

Your non owner policy may provide liability. Collision and theft for the rental vehicle usually come from a rental damage waiver or a credit card’s rental benefit. Car share platforms have their own liability programs.

Will I get electronic proof of insurance?

Yes in most states. Insurers issue digital ID cards after you bind coverage. You can also print a paper copy.

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