{"id":5990,"date":"2024-11-08T03:03:10","date_gmt":"2024-11-08T11:03:10","guid":{"rendered":"\/wp-site\/?p=5990"},"modified":"2025-02-13T07:15:06","modified_gmt":"2025-02-13T15:15:06","slug":"non-owner-car-insurance","status":"publish","type":"car-insurance","link":"https:\/\/jerry.ai\/car-insurance\/non-owner-car-insurance\/","title":{"rendered":"What is Non-Owner Car Insurance, and Do You Need It?"},"content":{"rendered":"\n<p>Non-owner <a href=\"\/car-insurance\/\">car insurance<\/a> is a minimal coverage policy designed specifically for drivers who don\u2019t own a vehicle but who often drive a rented or borrowed car. While non-owner insurance doesn\u2019t offer <a href=\"\/car-insurance\/what-does-full-coverage-car-insurance-cover\/\">full coverage<\/a>, which typically includes liability insurance plus collision and comprehensive coverage, it\u2019s a good option for people who don\u2019t own a car but still have specific insurance needs.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"what-does-it-cover\">What does non-owner car insurance cover?<\/h2>\n\n\n\n<p>Non-owner car insurance offers similar<a href=\"\/car-insurance\/types-of-car-insurance\/\"> types of coverage<\/a> to standard state minimum auto insurance. These policies typically include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"\/car-insurance\/bodily-injury-liability\/\">Bodily injury liability coverage<\/a>: Covers medical bills and related expenses up to your liability limits if you cause an accident in a car you don\u2019t own.<\/li>\n\n\n\n<li>Property damage liability coverage: Covers damages to another person\u2019s property if you cause an accident in a car you don\u2019t own.<\/li>\n\n\n\n<li>Other types of car insurance required in your state: If your state requires it, non-owner coverage will include coverage types like<a href=\"\/car-insurance\/uninsured-motorist-coverage\/\"> uninsured motorist coverage (UM\/UIM)<\/a>, medical payments coverage (MedPay), and personal injury protection (PIP).<\/li>\n<\/ul>\n\n\n\n<p>Keep in mind that because a non-owner auto insurance policy counts as secondary coverage, the vehicle owner\u2019s auto insurance will pay out first in the event of an accident. Once the owner\u2019s coverage limits have been reached, your non-owner policy will then kick in.<\/p>\n\n\n\n<p>If you\u2019re renting a car, you can likely skip buying <a href=\"\/car-insurance\/rental-car-insurance\/\">rental car insurance<\/a> and instead rely on your non-owners auto insurance for state-mandated coverage.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What isn\u2019t covered by non-owner insurance<\/h3>\n\n\n\n<p>In cases of an accidental collision with a vehicle or another object, any damages to the vehicle you\u2019re driving will need to be paid out-of-pocket if the owner does not carry <a href=\"\/car-insurance\/collision-insurance\/\">collision coverage insurance<\/a>. Unless you have MedPay or PIP included or added on to your non-owner policy, your medical expenses also won\u2019t be covered by this type of insurance.&nbsp;<\/p>\n\n\n\n<p>And since you don\u2019t own a vehicle, certain add-ons like roadside assistance won\u2019t typically be available for your non-owner policy.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-it-works\">How auto insurance for non-car owners works<\/h2>\n\n\n\n<p>When you carry non-owner insurance, you\u2019ll have coverage if you get into an accident while driving a car that doesn\u2019t belong to you. This is helpful for rental vehicles, car-sharing services, and any vehicle that you\u2019ve borrowed.&nbsp;<\/p>\n\n\n\n<p>For example: Suppose you have an unfortunate accident and crash your friend\u2019s car into another vehicle, leaving you liable for $65,000 in medical expenses and $40,000 in property damages. Your friend has a primary insurance policy for the car that covers up to $50,000 in bodily injury and $25,000 in property damage per accident.&nbsp;<\/p>\n\n\n\n<p>Since the other driver\u2019s costs exceed your friend\u2019s auto insurance coverage limits, your non-owner coverage would kick in to cover the remaining $15,000 in medical bills and $15,000 in property damage costs.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Non-owner car insurance examples<\/th><th>Medical expenses<\/th><th>Property damage<\/th><\/tr><\/thead><tbody><tr><td>Amount owed after crash<\/td><td>$65,000<\/td><td>$40,000<\/td><\/tr><tr><td>Friend\u2019s liability insurance covers<\/td><td>$50,000<\/td><td>$25,000<\/td><\/tr><tr><td>Your non-owners insurance covers<\/td><td>$15,000<\/td><td>$15,000<\/td><\/tr><tr><td>Amount paid out of pocket<\/td><td>$0<\/td><td>$0<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-much-does-it-cost\">How much does non-owner car insurance cost?<\/h2>\n\n\n\n<p>Non-owner car insurance generally costs less than a typical car insurance policy. According to <a href=\"https:\/\/www.insurancebusinessmag.com\/us\/guides\/is-getting-nonowner-car-insurance-worth-it-464646.aspx\" target=\"_blank\" rel=\"noreferrer noopener\">Insurance Business Magazine<\/a>, drivers can expect to pay roughly between $475 and $795 a year for a non-owner insurance policy with 100\/300\/100 liability coverage.&nbsp;<\/p>\n\n\n\n<p>Keep in mind that insurance rates for non-owner policies can be dramatically affected by <a href=\"\/car-insurance\/how-is-car-insurance-calculated\/\">factors<\/a> like your driving record, age, and ZIP code. Your driving history is particularly important, as insurance providers may be wary of providing coverage to people with poor driving records who are seeking a non-owner car insurance policy.\u00a0<\/p>\n\n\n\n<p>Drivers who are considered high-risk due to <a href=\"\/car-insurance\/sr-22-insurance\/\">SR-22<\/a> filing requirements or violations like speeding tickets, DUIs, or reckless driving will see significantly higher rates than drivers with a clean record.<\/p>\n\n\n\n<p>To get an accurate cost estimate, you\u2019ll need to <a href=\"\/car-insurance\/car-insurance-quotes\/\">get car insurance quotes<\/a> from at least three different providers.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Who sells non-owner car insurance?<\/h3>\n\n\n\n<p>Several insurance companies sell non-owner car insurance, including:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"\/reviews\/car-insurance\/dairyland\/\">Dairyland<\/a><\/li>\n\n\n\n<li>Direct Auto<\/li>\n\n\n\n<li>Elephant<\/li>\n\n\n\n<li><a href=\"\/reviews\/car-insurance\/state-farm\/\">State Farm <\/a>(but only to California drivers)<\/li>\n\n\n\n<li><a href=\"\/reviews\/car-insurance\/travelers\/\">Travelers<\/a><\/li>\n<\/ul>\n\n\n\n<p><strong>More:<\/strong> <a href=\"\/car-insurance\/best-car-insurance-companies\/\">Compare the best car insurance companies<\/a><\/p>\n\n\n\n<div class=\"!mbs-12 !mbe-12 wp-block-jerry-faqs  wp-block-jerry-faqs\">\n  <!-- Title -->\n    <h2 class=\"medium-title text-black mb-1.5 pt-12 uppercase\">\n    FAQ  <\/h2>\n  \n  <!-- Accordion -->\n  \n<div class=\"max-w-screen-lg my-6 [&amp;_li:last-child]:border-b-0\">\n<ul class=\"wp-block-jerry-accordion\">\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item font-circular flex cursor-pointer flex-row items-start border-b border-zinc-200 py-6 text-lg text-slate-500 is-style-accordion-item-box wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        What\u2019s the difference between non-owner auto insurance and rental car insurance?      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>Rental car insurance is coverage provided when you rent a vehicle. It\u2019s generally offered at the rental counter.<\/p>\n\n\n\n<p>Non-owner car insurance provides minimal coverage for drivers who often use a car that they don\u2019t own.<\/p>\n\n\n\n<p>If you already have non-owner car insurance, you likely don\u2019t need to buy rental car insurance that covers liability coverage when renting a car. However, you may still want to purchase additional protection such as a collision or loss damage waiver that covers damage from scenarios such as a crash, vandalism, or theft.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n\n\n\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item font-circular flex cursor-pointer flex-row items-start border-b border-zinc-200 py-6 text-lg text-slate-500 is-style-accordion-item-box wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        Can you get non-owner insurance if you\u2019re listed on another person\u2019s policy?      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>No \u2014 non-owner insurance is only available to people who don\u2019t have a personal vehicle available for regular use.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n\n\n\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item font-circular flex cursor-pointer flex-row items-start border-b border-zinc-200 py-6 text-lg text-slate-500 is-style-accordion-item-box wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        Will you need to meet a deductible with non-owner car insurance coverage?      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>Since non-owner car insurance doesn\u2019t include the types of insurance that require a <a href=\"\/car-insurance\/car-insurance-deductible\/\">deductible<\/a> (like collision and <a href=\"\/car-insurance\/comprehensive-insurance\/\">comprehensive insurance<\/a>), your insurance provider won\u2019t ask you to pay a deductible. However, non-owner insurance doesn\u2019t cover any damages to the owner\u2019s vehicle. So if the policyholder for the vehicle you\u2019re driving carries collision insurance, they may ask you to pay the deductible to cover the damages you caused.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n<\/ul>\n<\/div>\n\n  <!-- Contact link -->\n  <\/div>\n\n\n\n<div class=\"wp-block-jerry-meet-experts\" data-wp-interactive=\"jerry\/meet-experts\" data-wp-context=\"{&quot;modalVisible&quot;:false}\">\n  <div class=\"font-circular text-2xl font-extrabold text-slate-900\">Expert-driven. Built for you.<\/div>\n\n  <div class=\"my-3\">\n    <div class=\"flex justify-between items-center py-3 border-b border-neutral-200 cursor-pointer font-semibold text-gray-900\" data-wp-on-async--click=\"actions.toggleModal\">\n  <button class=\"text-left text-base\" type=\"button\">\n    Why you can count on Jerry&#8217;s articles  <\/button>\n\n  <div class=\"transition data-[visible=true]:md:rotate-180 text-xs iconify i--chevron-down text-gray-500\" data-wp-bind--data-visible=\"context.modalVisible\"><\/div>\n<\/div>\n<div class=\"modal-backdrop fixed bottom-0 left-0 right-0 top-0 z-50 overflow-hidden overscroll-contain bg-black\/70 font-body transition-transform delay-100 duration-0 md:relative md:z-auto [&amp;:not([data-visible=true])]:translate-y-full [&amp;:not([data-visible=true])]:bg-black\/0 [&amp;:not([data-visible=true])]:md:hidden\" data-wp-init=\"callbacks.onModalInit\" data-wp-on-async--click=\"actions.hideModal\" data-wp-bind--data-visible=\"context.modalVisible\">\n  <div class=\"modal-view fixed bottom-0 left-0 right-0 flex max-h-[75%] w-full flex-col rounded-t-3xl bg-white pb-7 pl-7 pt-3.5 transition md:relative md:rounded-none md:pl-0 md:transition-none [&amp;:not([data-visible=true])]:translate-y-full [&amp;:not([data-visible=true])]:md:hidden\" data-wp-bind--data-visible=\"context.modalVisible\">\n    <div class=\"modal-header md:hidden flex justify-between items-center pb-1 mb-1 border-b border-zinc-200\">\n      <div class=\"modal-title text-base font-semibold\">Summary<\/div>\n\n      <div\n        class=\"modal-close-btn wp-block-group w-11 h-11 mr-2.5 content-center text-center\"\n        data-wp-on-async--click=\"actions.hideModal\"\n      >\n        <div class=\"iconify i--close text-gray-500 cursor-pointer\"><\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"modal-body pr-7 overflow-y-auto\"><div class=\"wp-block-template-part\"><div class=\"flex flex-row items-center gap-2.5 rounded-lg bg-gray-pink px-4 py-5\">\n  <span class=\"iconify mt-0.5 shrink-0 self-start text-xs text-primary i--shield-check\"><\/span>\n\n  <div>\n    <div class=\"font-body text-xs font-bold text-primary\">Our goal is clear, trustworthy information.<\/div>\n    <div class=\"mt-1 font-body text-xs text-gray-600\">\n      Our content is created, edited and fact checked by a team of licensed insurance agents, automotive pros and\n      experienced journalists who know the industry inside and out. Facts are thoroughly researched, verified and kept\n      current, and our editorial team is separate from our business partners, so our opinions &#038; tips are unbiased. All\n      insights drawn from Jerry\u2019s proprietary, aggregated customer auto insurance quotes data provide unique, real-world\n      guidance.\n    <\/div>\n  <\/div>\n<\/div>\n<\/div><\/div>\n  <\/div>\n<\/div>\n  <\/div>\n\n  <div class=\"text-base font-semibold text-gray-900\">Our experts<\/div>\n\n  <div class=\"my-8 flex flex-col gap-8 items-center justify-center\">\n          <div\n        class=\"meet-experts-item group relative flex h-auto w-full flex-none flex-col justify-between overflow-hidden rounded-3xl py-9 text-sm shadow-variant-card\"\n        data-expand=\"false\"\n        data-wp-init=\"callbacks.onItemInit\"\n      >\n        <div class=\"grid h-full w-full grid-cols-1 overflow-hidden px-8 md:grid-cols-4\">\n          <img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"250\" src=\"\/wp-content\/uploads\/2024\/09\/Kayda-Norman.png\" class=\"size-16 rounded-full md:size-32 col-span-1 md:ml-4\" alt=\"meet-experts-thumbnail\" srcset=\"\/wp-content\/uploads\/2024\/09\/Kayda-Norman.png 250w, \/wp-content\/uploads\/2024\/09\/Kayda-Norman-150x150.png 150w, \/wp-content\/uploads\/2024\/09\/Kayda-Norman-56x56.png 56w, \/wp-content\/uploads\/2024\/09\/Kayda-Norman-120x120.png 120w\" sizes=\"auto, (max-width: 346px) 260px, (max-width: 576px) 432px, (max-width: 720px) 540px, (min-width: 720px) 250px, 100vw\" fetchpriority=\"low\"\/>\n          <div class=\"col-span-3\">\n            <div class=\"my-4 flex-1 content-center font-circular text-lg font-medium text-slate-900 md:mt-0\">\n              Kayda Norman            <\/div>\n\n            \n            <div class=\"text-slate-500 mt-2 leading-6\">\n              <p>Kayda Norman is an insurance writer and editor with more than 12 years of content experience. She previously worked at NerdWallet as an insurance writer and content management specialist. She has covered a wide range of insurance topics such as high-risk drivers, auto insurance rate factors, and credit-based insurance scores. Her work has been featured in The New York Times, The Washington Post, and USA Today.<\/p>            <\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"absolute hidden group-data-[expand=true]:flex bottom-0 w-full h-24 bg-gradient-to-t from-white from-30% to-transparent to-100% items-end justify-center\">\n          <div\n            class=\"flex cursor-pointer flex-row items-center gap-2 my-4 font-circular text-primary\"\n            data-wp-on-async--click=\"actions.onItemExpandClick\"\n          >\n            <span class=\"text-sm\">See more<\/span>\n            <span class=\"iconify i--chevron-down text-xs\"><\/span>\n          <\/div>\n        <\/div>\n      <\/div>\n          <div\n        class=\"meet-experts-item group relative flex h-auto w-full flex-none flex-col justify-between overflow-hidden rounded-3xl py-9 text-sm shadow-variant-card\"\n        data-expand=\"false\"\n        data-wp-init=\"callbacks.onItemInit\"\n      >\n        <div class=\"grid h-full w-full grid-cols-1 overflow-hidden px-8 md:grid-cols-4\">\n          <img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"250\" src=\"\/wp-content\/uploads\/2024\/11\/Everett-Cook.png\" class=\"size-16 rounded-full md:size-32 col-span-1 md:ml-4\" alt=\"meet-experts-thumbnail\" srcset=\"\/wp-content\/uploads\/2024\/11\/Everett-Cook.png 250w, \/wp-content\/uploads\/2024\/11\/Everett-Cook-150x150.png 150w, \/wp-content\/uploads\/2024\/11\/Everett-Cook-56x56.png 56w, \/wp-content\/uploads\/2024\/11\/Everett-Cook-120x120.png 120w\" sizes=\"auto, (max-width: 346px) 260px, (max-width: 576px) 432px, (max-width: 720px) 540px, (min-width: 720px) 250px, 100vw\" fetchpriority=\"low\"\/>\n          <div class=\"col-span-3\">\n            <div class=\"my-4 flex-1 content-center font-circular text-lg font-medium text-slate-900 md:mt-0\">\n              Everett Cook            <\/div>\n\n            \n            <div class=\"text-slate-500 mt-2 leading-6\">\n              <p>Everett Cook is an award-winning journalist and editor with more than 10 years of experience across a variety of industries. In editing for Jerry, Everett&rsquo;s mission is to help readers have a better understanding of the costs of owning or leasing a car and to better understand their vehicle in terms of insurance and repairs. Prior to joining Jerry, Everett was an editor for Axios. His previous work has been featured in The New York Times, The Los Angeles Times, The San Francisco Chronicle, The Atlantic, Atlantic Re:think, The Boston Globe, USA Today, and others. He&rsquo;s also been a freelance writer and editor with experience in SEO, audience building, and long-term content roadmaps. Everett is a proud graduate of the University of Michigan.<\/p>            <\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"absolute hidden group-data-[expand=true]:flex bottom-0 w-full h-24 bg-gradient-to-t from-white from-30% to-transparent to-100% items-end justify-center\">\n          <div\n            class=\"flex cursor-pointer flex-row items-center gap-2 my-4 font-circular text-primary\"\n            data-wp-on-async--click=\"actions.onItemExpandClick\"\n          >\n            <span class=\"text-sm\">See more<\/span>\n            <span class=\"iconify i--chevron-down text-xs\"><\/span>\n          <\/div>\n        <\/div>\n      <\/div>\n      <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Non-owner car insurance allows you to purchase insurance without owning a vehicle for around $40-$66 per month.<\/p>\n","protected":false},"author":19,"featured_media":52258,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"single-advice","meta":{"jerry_authors":"[{\"id\":\"184\",\"type\":\"main-author\"},{\"id\":\"115\",\"type\":\"editor\"},{\"id\":\"187\",\"type\":\"reviewer\"}]","jerry_author_ids":[184],"jerry_idx_page_label":"","jerry_meta_desc":"Non-owner car insurance allows you to purchase insurance without owning a vehicle for around $40-$66 per month.","jerry_related_posts":"[28386,17879,22099,25615,22485]","jerry_summary":"","inline_featured_image":false,"_lmt_disableupdate":"yes","_lmt_disable":"","footnotes":"[]"},"categories":[],"tags":[31],"class_list":["post-5990","car-insurance","type-car-insurance","status-publish","has-post-thumbnail","hentry","tag-car-insurance"],"_links":{"self":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/5990","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance"}],"about":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/types\/car-insurance"}],"author":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/users\/19"}],"replies":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/comments?post=5990"}],"version-history":[{"count":14,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/5990\/revisions"}],"predecessor-version":[{"id":61709,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/5990\/revisions\/61709"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/media\/52258"}],"wp:attachment":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/media?parent=5990"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/categories?post=5990"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/tags?post=5990"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}