Updated April 19, 2022<\/p>\n\n\n\n
Non-owner car insurance<\/strong> is for those who frequently find themselves behind the wheel but do not own a car<\/em>. In most cases, car insurance<\/a> follows the car, but in the case of non-owner car insurance<\/a>, the insurance follows the driver. Since the insured does not own a car, there is no need for other coverages, such as comprehensive or collision. And no, you cannot get non-owners auto insurance if you own a vehicle \u2013 and, in many cases, even if you live with someone who owns a vehicle.<\/p>\n\n\n\n This car insurance for non owner provides extra peace of mind in case you borrow a car and do more than just crush someone\u2019s fender. A non-owner car insurance policy provides an individual with liability coverage, including property damage<\/a> and bodily injury coverage<\/a>, if they are at fault for an accident when driving a vehicle they do not own.<\/p>\n\n\n\n If you\u2019re driving a car owned by someone else that is insured for comprehensive<\/a> and collision coverage<\/a>, the insurance will cover the costs to repair the vehicle you were driving if you\u2019re in an accident or experience a destructive act of nature, like having a tree fall on the car.<\/p>\n\n\n\n However, their liability insurance coverage<\/a> may be limited depending on what coverage they opted for. This means that if you cause an accident where someone is seriously injured and don\u2019t have enough liability insurance to foot the costs, you may be personally responsible for their medical bills or car repairs.<\/p>\n\n\n\n Non-owner car insurance covers this gap and protects you if you cause property or bodily injury damage in an accident. If you\u2019re uninsured, these costs can be quite expensive to handle on your own. The average auto bodily injury claim in 2018<\/a> was $15,785, while the average property damage claim was $3,841.<\/p>\n\n\n\n In addition to liability coverage, non-owner insurance can also provide:<\/p>\n\n\n\n The average cost of non-owned auto insurance is $474 per year.<\/p>\n\n\n\n Like a standard insurance policy, non-owner premium rates are based on factors such as your age, where you live, how much coverage you have, and how high of a deductible you select, among other factors. However, since a non-owner insurance policy only provides liability coverage, it is often significantly more affordable than a full coverage auto insurance policy<\/a>.<\/p>\n\n\n\n For reference, the average cost of auto insurance coverage, including liability, collisions, and comprehensive coverage in the United States in 2020 was $1,665. So, expect your policy to cost a lot less than that! Using California<\/a> and Texas as examples, the average cost for just liability insurance in 2020 was $733 and $496, respectively. Non-owner car insurance is often even cheaper than that.<\/p>\n\n\n\n\n
How Much Is Non-Owner Car Insurance?<\/h2>\n\n\n\n