Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate drivers about...

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Reviewed by Laura Walker
Licensed Agent for 10 Years

UPDATED: Apr 16, 2019

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Living situations change over time and individuals sometimes find themselves without a vehicle, or sharing a vehicle with another person.

Non Owner auto insurance is a policy you might purchase to make sure that you have sufficient coverage when you borrow another person’s vehicle on a regular basis, or share transportation with another person to which you are not married or related.

Be sure to enter your ZIP code into the FREE comparison tool to view a list of auto insurance companies quotes!

Who the Non Owner Auto Insurance is For

A Non Owned auto insurance policy is for a person who does not own a vehicle and does not have regular access to a vehicle. If you only occasionally borrow another person’s vehicle, non owner insurance may not be required.

As long as the vehicle owner maintains valid coverage, you are covered, as well, if you have their permission to drive the car.

However, if you share the car or borrow the car often, you may want to carry your own coverage. In addition, a non owners auto insurance policy may be used when renting a car.

If you are unsure about the status of the auto insurance coverage of the vehicle’s owner, you may want to purchase a non owners policy.

What Does Non Owners Auto Insurance Cover?

Non Owners auto insurance is liability only coverage that protects you when you drive a borrowed or shared car. The Non Owners auto insurance guarantees that, even if the vehicle’s owner has not insured the car, your policy provides the coverage you need for driving the car.

Non Owners auto insurance does not include Collision or Comprehensive coverage.

A Non Owners auto insurance policy most often includes:

If you were stopped by an office in a vehicle that was not insured by the owner, your Non Owner policy would protect you from being cited for no insurance.

A Non Owners policy is a great idea when you are borrowing or sharing a car and/or you are unsure about the status of the auto insurance coverage purchased by the vehicle’s owner.

How Much Does Non Owner Auto Insurance Cost?

Non Owner auto insurance coverage is generally inexpensive when compared to a standard Liability Only policy. Contact an auto insurance agent for a free quote, or use a comparison application to find companies that offer non owner auto insurance policies in your area.

In most cases, an auto insurance agent will allow you to pay a monthly or semi-annual premium payment for your Non Owners auto insurance policy. Check with the company to discover the stipulations associated with paying your premium in monthly payments.

Some auto insurance companies charge an extra fee for sending a monthly bill.

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Where Can I Get a Non Owners Policy?

Most car insurance providers will sell a non owners auto insurance policy. When considering a purchase of a non owners insurance policy, use a comparison application to help you quickly and efficiently traverse through the auto insurance companies that offer this type of policy in your area.

Comparison applications save time and money when shopping around for car insurance.

When shopping around for car insurance, comparing quotes from several companies will save you a considerable amount of money.

Auto insurance companies vary when it comes to the rates they charge for a Non Owners auto insurance policy. No matter what type of auto insurance company you need, shopping around for the best rates could save you as much as $1000 over the course of a year.

Even if you spend two hours shopping around and comparing rates between auto insurance companies, you may save a few hundred dollars per year. The return on your time investment for shopping around for car insurance is quite large!

If you save $600 per year, that means you basically earned $300 per hour for the two hours you researched various auto insurance companies.

Compare Auto Insurance Quotes for Non Owners Policies

Just type your ZIP code into the input box and click the button. Using your zip code, the comparison application finds auto insurance companies that offer coverage in your geographical area.

Request free quotes directly from the comparison application. Compare quotes for a Non Owners (or any other type of) policy.

Comparison applications allow you to perform side by side comparisons of auto insurance policies, as well as other types of policies, between companies in your area.

Using a comparison application will help you to quickly decide which auto insurance company and policy meets your needs.

Try a comparison application. Just type your ZIP code into the FREE tool!