Non Owner Car Insurance Quote: Everything You Need to Know

If you do not own a car, but still find yourself driving often, you may be wondering if you need car insurance. The answer is yes – but you do not need to purchase a traditional car insurance policy. Instead, you can opt for non owner car insurance.

Non owner car insurance provides liability coverage for drivers who do not own a vehicle, but still want to have insurance in case of an accident. In this article, we will go over everything you need to know about non owner car insurance quotes, including what it covers, how much it costs, and frequently asked questions.

What is Non Owner Car Insurance?

Non owner car insurance is a type of liability insurance that covers drivers who do not own a vehicle. This type of insurance policy is designed for individuals who may frequently borrow or rent cars, or who use car sharing services like Zipcar or Car2Go.

The purpose of non owner car insurance is to provide liability coverage in case of an accident. It typically covers the costs of bodily injury and property damage that you may cause while driving someone else’s car.

What Does Non Owner Car Insurance Cover?

Non owner car insurance typically covers:

It is important to note that non owner car insurance does not provide coverage for:

• Damage to the vehicle you are driving
• Medical expenses for yourself
• Your own lost wages

Who Needs Non Owner Car Insurance?

If you frequently borrow or rent cars, or use car sharing services, you may need non owner car insurance.

It is important to note that if you live with someone who owns a car, and you regularly use that car, you should be listed on their insurance policy as a secondary driver. Non owner car insurance is not a substitute for being listed on someone else’s insurance policy.

How Much Does Non Owner Car Insurance Cost?

The cost of non owner car insurance varies depending on several factors, including:

• Your age and driving record
• The amount of liability coverage you want to purchase
• The insurance company you choose

On average, non owner car insurance costs between $200 and $500 per year. However, it is important to shop around and compare quotes from multiple insurance companies to ensure you are getting the best rate.

FAQs

Can I get non owner car insurance if I have a DUI?

It may be more difficult to get non owner car insurance if you have a DUI on your record. However, it is still possible to find an insurance company willing to provide coverage. You may need to pay higher premiums or purchase a policy with lower coverage limits.

Can I use non owner car insurance for rental cars?

Yes, non owner car insurance can be used for rental cars. In fact, many rental car companies require that you have liability insurance before you can rent a car. Non owner car insurance can provide the necessary coverage.

What happens if I get into an accident while driving someone else’s car?

If you have non owner car insurance, your policy will provide liability coverage in case of an accident. However, if the cost of the damages exceeds your policy limits, you may be held personally responsible for the remaining costs.

Do I need non owner car insurance if I have a credit card that provides rental car insurance?

While some credit cards offer rental car insurance, it may not provide the same level of coverage as non owner car insurance. Additionally, credit card insurance may only cover damage to the rental car, not to other vehicles or property. It is important to check with your credit card company to understand the limitations of their coverage.

Can non owner car insurance be used for commercial driving?

No, non owner car insurance is designed for personal use only. If you use your vehicle for commercial purposes, you will need a commercial auto insurance policy.

Conclusion

If you frequently borrow or rent cars, or use car sharing services, non owner car insurance can provide the liability coverage you need in case of an accident. Be sure to shop around and compare quotes from multiple insurance companies to ensure you are getting the best rate.

As always, it is important to read the terms and conditions of your policy carefully, and to understand what is and is not covered by your non owner car insurance policy.