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The Best Non-Owner Car Insurance of 2021

The Simple Dollar logo The Simple Dollar 5/14/2021 Kathryn Pomroy
a person sitting in a car: young couple on a roadtrip © Provided by The Simple Dollar young couple on a roadtrip

We know you want to find out which is the best non owners insurance for cars, and we deliver. Here are six great non owner car insurance options:

Non-owner car insurance provides liability insurance for occasional drivers who don’t own a car. Not all auto insurance carriers offer this product, but we’ve found some good car insurance companies that offer this kind of insurance.

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This advertising widget is powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of The Simple Dollar. HomeInsurance.com LLC services are only available in states where it is licensed and insurance coverage through HomeInsurance.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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The Simple Dollar is an independent, advertising-supported publisher and comparison service. The Simple Dollar is compensated in exchange for featured placement of sponsored products and services, or your clicking on links posted on this website. This compensation may impact how, where and in what order products appear. The Simple Dollar does not include all companies or all available products. In this article

Our methodology

To help you make a decision, we’ve turned to our own SimpleScore for guidance. We arrive at our scores by analyzing discounts, coverage options, customer satisfaction, support and accessibility.

We’ve also studied such impartial reviewers as J.D. Power, which rates auto insurance companies for customer satisfaction and claims satisfaction, as well as Consumer Reports, which looks at claims satisfaction, premiums satisfaction, policy review and service.

The best non owner car insurance providers of 2021

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Great for discounts – GEICO

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Discounts are some of the best ways to save on auto insurance and Geico has them in abundance.

J.D. Power Rating 3/5 AM Best Rating A++ Standard & Poor’s AA+ SimpleScore 4.8 / 5.0 close SimpleScore GEICO 4.8 Discounts 5 Coverage Options 5 Customer Satisfaction 4 Support 5 Accessibility 5

Geico’s customer service is responsive and it pairs it with low premiums. When we called to ask for quotes, Geico had the easiest phone tree to navigate and had us speaking with a friendly, helpful person the fastest.

Geico also scores well overall with the SimpleScore, with strong marks in accessibility and support, as well as coverage options.

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Great for customer satisfaction – State Farm

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Both with our SimpleScore and with Consumer Reports, State Farm received 4 out of 5 in customer satisfaction.

J.D. Power Rating 4/5 AM Best Rating A++ Standard & Poor’s AA SimpleScore 4.6 / 5.0 close SimpleScore State Farm 4.6 Affordability 4 Coverage Options 5 Customer Satisfaction 4 Support 5 Accessibility 5

State Farm combines low premiums with high customer satisfaction rankings. State Farm is the largest auto insurer in the country, which means it has agents conveniently located in each state.

This carrier also performs well with our SimpleScore, including in discounts, coverage options and accessibility.

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Great for poor credit – Nationwide

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Of the auto insurance providers it reviewed, Bankrate reported that Nationwide was the lowest for average annual premium with poor credit, at $1,919. (Bankrate used Quadrant Information Services to analyze rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record.)

J.D. Power Rating 3/5 AM Best Rating A+ Standard & Poor’s AA+ SimpleScore 4.4 / 5.0 close SimpleScore Nationwide 4.4 Discounts 3 Coverage Options 5 Customer Satisfaction 4 Support 5 Accessibility 5

While Nationwide’s discounts are not as robust as others we analyzed, its customer service is quite good and coverage options are extensive, according to our SimpleScore.

Consumer Reports found that claims satisfaction for Nationwide was high at 4 out of 5, but premium satisfaction only scored a 1 out of 5.

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Great for safe driving – Farmers

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In addition to a safe driver discount to reward good driving habits, Farmers offers a discount for drivers under 25 who are good students and have a history of safe driving.

J.D. Power Rating 2/5 AM Best Rating A Standard & Poor’s A SimpleScore 4.4 / 5.0 close SimpleScore Farmers 4.4 Discounts 4 Coverage Options 5 Customer Satisfaction 4 Support 4 Accessibility 5

If you sign up for the Signal program and download the app, you might earn a discount based on the actual quality of your driving, and a 5% discount just for using the program. The exact discounts available to you will depend on your state and not everything may apply to a non-owners policy.

If you ever want to upgrade to a comprehensive auto policy, Farmers has plenty of unique additional coverage options. You can add customized equipment coverage for any customizations you’ve made aftermarket. There’s also original equipment coverage that might ensure your parts are replaced with factory originals.

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Great for claims – Allstate

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Allstate ranks well for claims satisfaction, with a 4 out of 5 from Consumer Reports.

J.D. Power Rating 3/5 AM Best Rating A+ Standard & Poor’s A- SimpleScore 4.4 / 5.0 close SimpleScore Allstate 4.4 Discounts 3 Coverage Options 5 Customer Satisfaction 4 Support 5 Accessibility 5

Allstate scores decently for customer service, cost of coverage and other key indicators. Its coverage and discount options are comparable to other insurers.

While this carrier only scored 1 out of 5 for premium satisfaction at Consumer Reports, it performed well in the categories of service and policy reviews.

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Great for online resources – Progressive

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Progressive offers a host of featured content that will answer your questions about what might be covered in your auto insurance, which life insurance might be right for you and even what might be covered if a tree falls on your house.

J.D. Power Rating 3/5 AM Best Rating A+ Standard & Poor’s AA SimpleScore 4.2 / 5.0 close SimpleScore Progressive 4.2 Discounts 4 Coverage Options 5 Customer Satisfaction 4 Support 4 Accessibility 4

Progressive provides easy-to-access info about its non-owner insurance. While the other five insurers on our list do offer non-owner coverage, we had to call to check.

Progressive, on the other hand, offers easy-to-find, easy-to-understand information about non-owner car coverage, including this post about non owners car insurance and borrowing a car.

What does non-owner car insurance include?

A non-owner car insurance policy, sometimes also called non-drivers insurance or liability coverage, usually only provides a few coverage options.

These policies usually include:

  • Bodily injury liability: coverage if someone else gets hurt in an accident you cause
  • Property damage liability: coverage if you damage someone else’s car or property

When you are involved in a car accident, there are several scenarios in which your non-owners car insurance might apply:

  • If you borrow someone’s car and are involved in an accident, the vehicle owner’s car insurance pays out first. If it’s not enough to cover damages, your non-owner policy may kick in as secondary coverage.
  • If you cause an accident and the other person is injured, the bodily injury liability portion of your insurance may help cover their medical expenses, lost wages and some of your legal fees.
  • The property damage portion may help you pay for the damage to someone’s vehicle or property if you were at fault for the accident.
  • Some insurers also offer medical payments coverage, uninsured/underinsured motorist bodily injury coverage and/or rental car coverage as part of a non-owners policy.

[ More: How Much Does Car Insurance Go Up After an Accident? ]

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This advertising widget is powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of The Simple Dollar. HomeInsurance.com LLC services are only available in states where it is licensed and insurance coverage through HomeInsurance.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Find the Best Home Insurance

Save money on home insurance with our simple comparison tool.

Are you currently insured? Yes No Do you own or rent your home? Own Rent Zip Code Change your search inputs Matching you with providers. We found results in Click at least 2-3 companies to find the very best rate.

Powered by HomeInsurance.com (NPN: 8781838)

What is an SR-22? 

An SR-22 form, sometimes incorrectly called SR-22 insurance, is often required for driving privileges to be reinstated after specific traffic-related offenses. Your state may require this even if you don’t own a car, according to Progressive. A non-owner auto policy may fulfill that requirement for carrying insurance when you have to submit an SR-22 form, says Progressive.

Who needs non-owner car insurance?

Typically, you’re not legally obligated to have car insurance (including non-owner) if you don’t have a car.

However, there are a number of reasons why your agent may recommend non-owners auto insurance.

  • You rent cars regularly: A non-owner policy that offers liability coverage on rental vehicles might be recommended, but make sure it covers you when you’re driving one.
  • You borrow cars regularly: If you’re a caregiver, for example, non-owner insurance might supplement their personal policy if you get in an accident. If you’re borrowing a car from someone in your household, it might be recommended that you be listed on their policy –– not on a non-owner policy.
  • You use a car-sharing service: If you’re enrolled in a car-sharing service like Car2Go, Zipcar or Maven, you’ll typically get some liability and damage coverage as part of your membership. But in some cases, it may be recommended that you get non-owners coverage.
  • You’re required by a court: If you’ve committed serious traffic violations, a court may require you to file a proof-of-insurance certificate to maintain your driver’s license, even if you don’t own a car.
  • You use ridesharing companies: If you like to use Lyft and Uber and you don’t own a car, it may be recommended that you get non-owner car insurance that may include uninsured motorist coverage or personal injury protection.

[ Read: Does Car Insurance Go Down After You Turn 25? ]

The cost of non-owner coverage

Progressive reports that non-owner car insurance typically costs less than what you’d pay for the same level of liability coverage on a car you own. However, Progressive says that may vary depending on your driving history, where you live, coverage limits and other factors. Also, keep in mind that any infractions on your record may impact the cost, according to the carrier.

if(!window.environment) { window.environment = "live" } if(!window.insuranceLine) { window.insuranceLine = "home" } Insurance Disclosure

This advertising widget is powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of The Simple Dollar. HomeInsurance.com LLC services are only available in states where it is licensed and insurance coverage through HomeInsurance.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Find the Best Home Insurance

Save money on home insurance with our simple comparison tool.

Are you currently insured? Yes No Do you own or rent your home? Own Rent Zip Code Change your search inputs Matching you with providers. We found results in Click at least 2-3 companies to find the very best rate.

Powered by HomeInsurance.com (NPN: 8781838)

What does non-owner car insurance not cover?

What this coverage includes depends on which company you get insurance from. Non-owner car insurance typically does not cover:

  • Collision insurance
  • Comprehensive insurance
  • Towing insurance
  • Rental reimbursement

Auto insurance discounts 

Traditional auto insurance often comes with perks if you fulfill certain criteria and the same might go for non-owner car insurance. The following are some of the discounts you might be eligible for when purchasing the best non-owner car insurance.

  • Multi-policy: When you combine two or more insurance policies from the same insurer, you might become eligible for attractive discounts.
  • Homeowner
  • Driver’s education course: Some providers may reward you with discounts.
  • Military or federal employee: If you or an immediate family member is part of the government services or armed forces, you might be eligible for reduced rates. This is called an affinity discount.

Non-owners car insurance FAQ

What will affect my non-owner car insurance premium?

With non-owner car insurance, there’s no car to insure, so you are the main factor determining the rate. Specifically, insurance companies will look at how likely it is that you’ll cause an accident. They do this by checking your driving record and your credit-based insurance score. Other factors are also assessed – such as where you live.Someone who has a clean driving record and excellent credit may get a lower rate than someone with a lot of citations, accidents and less-than-perfect credit.

Is a non-owners policy available in my state?

Yes, non-owners policies are available in every state in the US. Depending on where you live, the rate will vary, but most policies include the same type of coverage.

Can you insure a car you don’t own?

Technically, you aren’t insuring a car you don’t own when you take out non-owners insurance. Non-owner car insurance applies to you, specifically. It doesn’t travel with the car for which you bought the policy, nor does it extend to other people. However, there are scenarios when insurance covers damage of a car you don’t own.

Too long, didn’t read?

Non-owner auto insurance offers liability coverage for the driver without a car. Not all providers offer non-owner insurance. You’ll have to call providers for quotes in order to compare. In addition to comparing rates, you may be recommended to look at the exact coverage provided to get the policy that will give you the most value.

We welcome your feedback on this article and would love to hear about your experience with the non-owner car insurers we recommend. Contact us at inquiries@thesimpledollar.com with comments or questions.

The impact of COVID-19 on your car insurance.

Due to the widespread pandemic, many drivers are instead working from home. The less people that are on the road, the less risk of a car collision. Due to this and to economic strain, many car insurance companies provided credit back to customers on their monthly bill as well as pausing coverage cancellation in the case of nonpayment. Actions like these have helped customers who are struggling to pay the bills during unemployment and financial strain.

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