Non-Owner Car Insurance: A Guide to Getting Car Insurance with No Car

Car insurance isn’t just for people who own a car. If you frequently rent, borrow, or use rideshare services, having your own policy can provide peace of mind and financial protection. Find out how non-owner car insurance works, what it covers, and where to find the most affordable options.

What Is a Non-Owned Vehicle Insurance?

Non-owner car insurance is a type of liability coverage for people who drive but don’t own a vehicle. It provides protection if you cause an accident while driving a car that you don’t own. This coverage is useful if you:

• Rent Cars Frequently – Many rental car companies offer insurance, but a non-owner policy may be a cheaper long-term solution.
• Borrow Cars Regularly – If you often drive a friend’s or family member’s vehicle, non-owner insurance ensures you’re covered for liability.
• Need Continuous Coverage – If you don’t currently own a car but plan to buy one in the future, a non-owner policy keeps you insured and prevents a coverage gap, which can lead to higher premiums later.
• Need an SR-22 or FR-44 – Some states require non-owner car insurance for high-risk drivers who need to file an SR-22 or FR-44 form to reinstate their license.

Non-owner car insurance typically includes liability coverage for bodily injury and property damage. However, it doesn’t cover damage to the vehicle you’re driving or provide collision or comprehensive protection.

Does GEICO Sell Non-Owner Car Insurance?

Yes, GEICO offers non-owner car insurance in most states. Like other providers, their policies provide liability coverage for drivers who don’t own a car but still need protection when driving a borrowed or rented vehicle.

To get a quote, you’ll need to call GEICO directly, as non-owner insurance quotes are not always available through online quote tools. Factors like your driving history, location, and coverage limits will influence your premium. If you need an SR-22 or FR-44 filing, GEICO can also assist with meeting state requirements.

How Much Is Hired and Non-Owned Auto Insurance?

Hired and non-owned auto insurance (HNOA) is a commercial insurance policy that provides liability coverage for businesses when employees drive rented or personal vehicles for work purposes. This coverage is useful for companies that:

• Require employees to rent cars for business trips
• Have workers who use personal vehicles for company duties
• Need liability protection in case an employee causes an accident in a rented or borrowed car

The cost of hired and non-owned auto insurance varies based on factors like business size, coverage limits, and location. On average, businesses can expect to pay between $300 and $1,000 per year for HNOA coverage, but costs may be higher for companies with more employees or higher risk exposure.

For individuals seeking non-owner car insurance for personal use, rates are generally lower, typically ranging from $200 to $600 per year, depending on driving history and coverage limits.

What Is the Cheapest Non-Owners Insurance in Texas?

If you live in Texas and need car insurance for non-car owners, several companies offer affordable options. The cheapest non-owner car insurance rates in Texas typically come from:

• State Farm – One of the most affordable options, with rates starting at around $30 per month for low-risk drivers.
• GEICO – Offers competitive rates, especially for drivers with clean records.
• Progressive – Provides flexible non-owner policies and discounts for safe drivers.
• USAA – Ideal for military members and their families, offering some of the lowest rates in Texas.

Non-owner car insurance costs in Texas depend on factors like driving record, location, and coverage level. To find the best deal, compare multiple quotes and ask about discounts for bundling policies or maintaining continuous coverage.

Who Should Consider Non-Owner Car Insurance?

Non-owner car insurance is a smart investment for:

• Frequent Renters – If you rent cars often, a non-owner policy may be cheaper than paying for rental insurance each time.
• People Who Borrow Cars – If you regularly drive a car that isn’t registered in your name, non-owner insurance ensures you have liability protection.
• High-Risk Drivers – If you need an SR-22 or FR-44 filing to reinstate your license, a non-owner policy can fulfill legal requirements.
• Future Car Buyers – If you’re planning to buy a car soon, maintaining non-owner coverage can help you avoid higher premiums due to a lapse in insurance history.

What Does Non-Owner Car Insurance Not Cover?

While non-owner insurance provides valuable liability protection, it has limitations. It does not cover:

• Damage to the Car You’re Driving – If you’re in an accident, you’ll be responsible for repairs to the borrowed or rented vehicle.
• Personal Injuries – Medical expenses for you or your passengers are not covered unless you add personal injury protection (PIP) or medical payments coverage.
• Comprehensive or Collision Coverage – Non-owner policies do not cover theft, vandalism, or weather-related damage to the vehicle.

If you frequently rent cars, you may need to purchase additional coverage or use a credit card that offers rental car insurance to cover damages to the vehicle.

How to Get Non-Owner Car Insurance

If you need car insurance with no car, follow these steps to find the best policy:

1. Compare Quotes – Use online tools or call insurance companies to get personalized rates.
2. Check State Requirements – Some states have minimum liability coverage limits that you must meet.
3. Ask About Discounts – Safe driver discounts or bundling with other policies (like renters or umbrella insurance) can lower your premium.
4. Consider Additional Coverage – If you regularly rent cars, consider adding rental car coverage for extra protection.

Since non-owner policies vary by provider, it’s essential to compare options before making a decision.

What’s Next?

Non-owner car insurance is a great solution for people who drive but don’t own a vehicle. Whether you rent cars frequently, borrow from friends, or need to meet legal requirements, this type of policy ensures you have the coverage you need. To find the best rates, compare quotes from multiple insurers and explore ways to customize your policy for maximum protection.