How to Get an Insurance Quote Without a Car

Non-owner auto insurance policies exist for people who borrow or rent cars without owning one. Non-owner coverage costs $39.50/mo on average in the US.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance...

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Reviewed byDaniel Walker
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UPDATED: Apr 25, 2020

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Here's what you need to know...

  • If you do not yet own a vehicle, you can purchase a non-owner policy from an auto insurance company
  • This type of auto insurance policy will protect you from liability in the event that you are in an accident in a car that you do not own
  • If you already own another vehicle, then you do not need to carry a non-owner auto insurance policy because your existing auto insurance policy will cover you
  • When you purchase a non-owner auto insurance policy, you should buy it in your official state of residence and make sure that you meet at least the state minimum coverage requirement

There are plenty of reasons that you may want to get an auto insurance quote without actually owning a car. If you travel frequently, this is a good option for someone who drives many rental cars.

In addition, if you find that you frequently borrow other people’s vehicles to run errands because you do not own a car of your own, you should also consider a non-owner auto insurance policy.

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Why You May Need a Non-Owner Auto Insurance Policy

Even if you do not own your own vehicle, you may still need to purchase auto insurance.

If you frequently borrow other people’s vehicles to drive, then a non-owner auto insurance policy will help cover you in the event of an auto accident while you are driving a vehicle that you do not own.

The general rule of thumb is that you should purchase a non-owner auto insurance policy if you drive someone else’s car more than 10 times a month.

However, if you plan to drive any car in your state, you should always maintain at least the state minimum auto insurance coverage so that you are not faced with fines and penalties under state law.

One option to consider is that if you are frequently borrowing the same person’s car, you may want to ask to be added to their existing auto insurance policy.

This may work out to be cheaper for you than purchasing a separate non-owner auto insurance policy. When you are requesting non-owner auto insurance policy quotes be sure to ask the insurance agent if you think this situation applies to you.

Also, if you travel frequently and have to rent cars, then a non-owner auto insurance policy should be something you consider.

If you already have an auto insurance policy for a vehicle that you own, then you will not have to purchase a non-owner auto insurance policy in order to rent a car because you will already be covered in the event of an auto accident under your existing owner auto insurance policy.

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If you are driving a vehicle for work purposes, you should inquire from the company about what auto insurance policy exists for those vehicles. Your company should have a separate business vehicle policy.

However, you may still want to consider extra coverage so that you do not have to pay out of pocket if you cause an accident while driving a company vehicle.

Be sure to mention any company auto insurance policy when you are requesting quotes for a non-owner auto insurance policy.

Also, if you have a teen driver in your household who does not yet own a car, a non-owner auto insurance policy may be the perfect coverage option for them.

Keep in mind that if you frequently allow your teen to drive your vehicle without being added to your own existing policy or having a non-owner auto insurance policy, your insurance company may decline coverage if you have to file a claim from an auto accident.

Having a non-owner auto insurance policy for your teen driver could be a good way to save money on your premium by not adding them to your policy.

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Purchasing a Non-Owner Auto Insurance Policy

When you are searching for a non-owner auto insurance policy, you should request quotes based on your official state of residence.

Even though you do not own a car, you will still be required to carry at least the state minimum level of auto liability coverage to drive in your state.

You may want to consider adding optional coverage to protect you in the event of an accident. If you do not have the resources to pay out of pocket for damage in an auto accident, then you may want to consider increasing your policy limits.

When you are shopping around for quotes on a non-owner auto insurance policy, be sure to ask the insurance agent about possible ways that you can save money on your policy.

They will likely ask you questions about the total number of miles that you expect to drive in a year and for what purpose you expect to be driving to help determine the rate that you will receive.

In sum, if you plan to drive other people’s vehicles or travel frequently, then a non-owner auto insurance policy may be a good idea for you.

It is never a good idea to drive any car without having at least the required amount of basic auto liability coverage under your state law.

Even if you do not own a car, you could still be responsible for paying for any damages out of pocket in an auto accident that you cause while driving someone else’s vehicle.

Make sure you’re paying the best price for auto insurance today. Enter your zip code below to start comparing.

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