Geico Non Owner Car Insurance: A Comprehensive Guide

If you don’t own a car but still need auto insurance coverage, you may be wondering what your options are. Fortunately, Geico offers non owner car insurance that can provide the protection you need while driving someone else’s vehicle. In this article, we will provide a comprehensive guide to Geico non owner car insurance, including what it covers, how to get it, and frequently asked questions.

What is Geico Non Owner Car Insurance?

Geico non owner car insurance is a type of insurance policy that provides liability coverage for drivers who don’t own a car but still need to drive. This type of coverage is typically for individuals who rent cars, borrow cars from friends or family, or use car-sharing services like Zipcar or Car2Go.

With Geico’s non owner car insurance, drivers can have peace of mind knowing that they are protected from liability in the event of an accident. This type of coverage is usually less expensive than a traditional car insurance policy because it only provides liability coverage and not comprehensive or collision coverage.

What Does Geico Non Owner Car Insurance Cover?

Geico non owner car insurance provides liability coverage in the event that you are found at fault for an accident while driving someone else’s vehicle. This coverage typically includes bodily injury liability and property damage liability.

Bodily injury liability coverage pays for the medical expenses and lost wages of the other driver and passengers if you are responsible for an accident. Property damage liability pays for any damage to the other driver’s vehicle or property.

How Much Does Geico Non Owner Car Insurance Cost?

The cost of Geico non owner car insurance varies depending on a number of factors, including your driving history, location, age, and the amount of coverage you choose. However, this type of coverage is usually less expensive than a traditional car insurance policy because it only provides liability coverage.

To get an accurate quote for Geico non owner car insurance, you can visit their website or call their customer service line to speak with a representative.

How to Get Geico Non Owner Car Insurance

To get Geico non owner car insurance, you will need to follow these steps:

1. Visit Geico’s website or call their customer service line to get a quote.
2. Provide the necessary information, such as your driving history and location.
3. Choose the amount of coverage you need and agree to the policy terms.
4. Pay the premium for the policy.

Once you have purchased the policy, you will receive proof of insurance that you can keep in your car or show to law enforcement if necessary.

Geico Non Owner Car Insurance FAQ

Q: Who needs Geico non owner car insurance?

A: Anyone who drives a car but does not own one may need Geico non owner car insurance. This includes individuals who rent cars, borrow cars from friends or family, or use car-sharing services like Zipcar or Car2Go.

Q: Is Geico non owner car insurance required by law?

A: Geico non owner car insurance is not required by law in most states. However, some states may require drivers to carry liability insurance, whether they own a car or not. It is important to check the laws in your state to determine what type of insurance coverage you need.

Q: What is the difference between Geico non owner car insurance and regular car insurance?

A: Geico non owner car insurance only provides liability coverage and is designed for drivers who do not own a car. Regular car insurance provides liability coverage as well as comprehensive and collision coverage and is designed for drivers who own a car.

Q: Can I add additional coverage to my Geico non owner car insurance policy?

A: No, Geico non owner car insurance only provides liability coverage and cannot be customized to include additional coverage options.

Q: How long does Geico non owner car insurance coverage last?

A: Geico non owner car insurance coverage lasts for the duration of the policy term, which is typically six months. Once the policy expires, you will need to renew it if you want to continue coverage.

Conclusion

Geico non owner car insurance is a great option for individuals who do not own a car but still need to drive. This type of coverage provides liability protection in the event of an accident and is usually less expensive than a traditional car insurance policy. If you need non owner car insurance, be sure to consider Geico and follow the steps outlined in this article to get coverage.