Best Auto Insurance Companies for Drivers Who Don’t Own a Car (2023)
The best auto insurance companies for drivers who don't own a car are Progressive, Geico, and State Farm. Non-owner car insurance averages $36/mo since you only get liability coverage. Below, you can find the best and cheapest non-owner car insurance policy to get coverage for a car you don't own.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, Finance101.com, and Forbes. As a parent herself, she under...
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UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Non-owner car insurance policies provide minimum coverage required by the state and optional add-ons
- You can find the best cheap non-owner car insurance from Progressive, Geico, and State Farm
- Many insurers won’t write a non-owned car insurance policy if a driver has access to a vehicle in their household
For drivers who don’t own a vehicle, but still need insurance to drive a car, non-owner car insurance is a great option. This type of auto insurance is for people who don’t have their own a vehicle but still need to drive one once in a while. Non-owner auto insurance policies are especially great for coverage during car rentals while on vacation or shared vehicles during work trips and cover you under most circumstances regardless of fault.
Checking the factors that affect auto insurance rates is your first step into figuring out if non-owners car insurance is right for you. Below, we’ll overview the best and cheapest non-owner car insurance companies so you can get insurance for a car you don’t own.
Read on to find out more about the best auto insurance companies for drivers who don’t own a car and see which company is right for you. Using our free and easy-to-use tool, enter your ZIP code above for free comparisons on auto insurance today.
Best Auto Insurance Companies for Drivers Who Don’t Own a Car
Each company has its pluses and minus but these three, some of the biggest in the country, are ones you will probably see in your search.
Progressive Non-Owner Car Insurance
Progressive non-owner car insurance rates will vary based on your situation. This company is an excellent investment for drivers who frequently borrow or rent cars, or for those who need to file an SR-22 or FR-44 with their state to prove they have insurance.
Progressive auto insurance only offers their non-owner coverage to existing members, so you’ll have to buy a regular auto insurance policy before qualifying for a non-owner’s car insurance rate.
Other add-on’s that Progressive offers:
- Hired auto coverage: provides liability protection when you’re driving a hired, leased, rented or borrowed vehicle
- Any auto coverage: provides liability protection for all vehicles on a policy whether they are owned, non-owned, or hired, including vehicles that you purchase during your policy even if you forget to tell your insurance company
For Progressive, you are able to carry non-owner coverage along with Hired Auto coverage. Any Auto coverage is already included with non-owned coverage, so these two cannot be purchased together.
Geico Non-Owner Car Insurance
Non-owner car insurance for Geico looks a little bit different. Unlike Progressive, with Geico auto insurance, you don’t need to be an existing customer to qualify for a non-owner’s car insurance policy.
Geico doesn’t provide non-owner quotes online, so you’ll have to call a licensed agent to find out how much a non-owner insurance policy will cost for your particular circumstances.
Geico also offers help with reinstating your driver’s license through SR-22 or FR-44 certificates, as well as being able to file these forms on your behalf so that you can get back on the road quicker. This works even if you don’t have your own car yet, as well.
Your age, vehicle condition, and driving history, along with other typical factors that include pre-existing policies, ability to bundle, and other outside circumstances, will affect Geico non-owner policies.
State Farm Non-Owner Car Insurance
State Farm auto insurance is a great option if you do not have a clean driving record, or are a teen driver. They offer affordable rates for these kinds of individuals compared to Progressive and Geico who penalize drivers with their higher rates.
State Farm also offers additional coverage if needed beyond non-owner’s insurance.
Other add-ons that State Farm offers that help cover additional costs:
- Uninsured motorist coverage (UM): UM coverage pays for medical expenses if someone crashes into you and they don’t have liability insurance or not enough. Uninsured motorist (UM) coverage can also cover hit-and-run accidents, depending on your state
- Medical payments (MedPay): Medical payment coverage on auto insurance pays your passengers’ medical bills no matter who caused the accident
With MedPay, State Farms only offers coverage to those affected if you get into an accident. This coverage will pay for their:
- Medical expenses
- Pain and suffering
- Lost wages
MedPay doesn’t cover your personal injuries, only those that are involved in the accident with you.
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How Non-Owner Auto Insurance Coverage Works
Like standard liability insurance, these types of policies cover vehicles damaged during an accident or injuries that are sustained by other people when you are at fault. Per the National Association of Insurance Commissioners, all drivers must carry their state minimum auto insurance requirements, or liability coverage, to get behind the wheel.
Since non-owner insurance policies don’t cover any specific vehicle, they won’t include collision or comprehensive auto insurance, meaning that any damage sustained while driving someone else’s car, you will end up paying out of pocket for your repairs if needed. These policies also won’t cover any personal medical bills or injury-related costs due to an accident.
How to Buy a Cheap Non-Owner Car Insurance Policy
Searching for the best auto insurance companies for drivers who don’t own a car insurance rates will vary depending on a few factors.
This coverage is usually less expensive than a typical full-coverage policy, as insurers view those who don’t own a car as less risky because they don’t have regular access to it. Finding the best non-owner car insurance, while keeping these things in mind, will help to find which fits in with your needs.
Other factors that impact your non-owner car insurance costs include:
- Age
- Gender
- Coverage amount
- Driving record
- Location
- Mileage
High-risk auto insurance might be required if your insurance company deems you as high-risk. Your non-owner policy will likely cost you more than it would for someone with a clean record.
Unfortunately, some companies refuse to insure high-risk drivers for this specific policy type if you don’t have an existing policy with them, so research which companies offer cheap auto insurance for drivers with a bad driving record.
More About Finding the Right Non-Owner Auto Insurance Policy for You
Finding the best and cheapest auto insurance companies for drivers who don’t own a car depends on the various factors affecting rates, such as age, location, vehicle type, gender, and credit.
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Non-owner car insurance is certainly cheaper than a regular policy with full coverage auto insurance, but you must remember that it only covers other people, leaving you to pay out of pocket for your own expenses after an accident.
Progressive, Geico, and State Farm all offer unique policies that can fit specific needs when searching for non-owner car insurance. You can enter your ZIP code into our free quote comparison tool below to get insurance quotes for a car you don’t own.
Frequently Asked Questions
Why would a driver who doesn’t own a car need auto insurance?
Even if you don’t own a car, you may still need auto insurance coverage. If you frequently rent cars, use car-sharing services, or borrow cars from friends or family, having insurance can provide you with financial protection in case of accidents or damage to the vehicle.
Can I add a non-owner car insurance policy to my existing auto insurance policy?
In many cases, you can add a non-owner car insurance policy as an endorsement or rider to your existing auto insurance policy. Contact your insurance provider to inquire about the availability and cost of adding this coverage. However, it’s important to note that not all insurance companies offer this option.
How does non-owner car insurance differ from regular auto insurance?
Non-owner car insurance is designed for individuals who frequently drive but don’t own a car. It provides liability coverage for bodily injury and property damage caused by the driver to others. Non-owner car insurance typically does not provide coverage for the vehicle itself or physical damage caused to it.
Is non-owner car insurance mandatory?
Non-owner car insurance is not typically mandatory. However, it may be required by certain states or rental car companies when renting a vehicle. Additionally, having non-owner car insurance can provide you with financial protection and peace of mind when driving borrowed or rented cars.
Can I purchase non-owner car insurance if I have a poor driving record?
Each insurance company has its own underwriting guidelines, and some may be more lenient than others when it comes to insuring drivers with poor driving records. While it may be more challenging to find affordable coverage, it’s still worth exploring your options by contacting different insurance providers.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, Finance101.com, and Forbes. As a parent herself, she under...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.