Des Moines Car Insurance
Save big on Des Moines Car Insurance

Non-owner Auto Insurance

Thanks to the rising cost of gas, increases in insurance rates, and increasing car costs, many people are giving up their cars and using public transportation. But what if you want to rent or borrow a car to go on a long trip or a vacation? Here's how to get cheap non-owner auto liability insurance for just those occasions.

What is non-owner auto liability insurance?

It's auto insurance for people who don't own their own car, but occasionally rent or borrow one. Coverage includes:

* Bodily injury liability coverage which pays for any claims made against you, plus your legal fees, if you injure or kill someone.

* Property damage liability coverage which pays for claims made against you, plus your legal fees, when you damage another person's car or property.

Frequently Asked Questions

  1. QUESTION:
    What insurance companies provide non-owner auto insurance in Ohio?
    looking to insure myself for car insurance in columbus ohio but I dont own a car.
    I'm looking to get insurance on myself because I'm always driving friends cars as well as renting cars..I'm 23 years old...parents are not an option.
    And I did google it and didnt find any definite answers. I also tried doing online quotes but none of the insurance companies have options for non owner car insurance quotes...which is why i asked the question.

    • ANSWER:
      Simply call around or google and tell them you are looking for a "Non owners" policy. many companies sell them

  2. QUESTION:
    Where can I buy a Non Owner Auto Insurance Policy online in NY?

    • ANSWER:
      I don't think you'll be able to buy this policy online at all.

      The application is going to have to be submitted to the state assigned risk pool, and they're pretty fussy about paper applications, not electronic ones. You're going to need to visit an agent.

      Sorry.

  3. QUESTION:
    non-owner auto insurance provider in Canada?
    Does anyone know a good source for non-owner liability and collision insurance in Canada? Basically this covers a driver for rental cars as well as while driving someone else's car. I know that you can purchase it as an add-on to existing auto insurance, but is it possible to get if you do not own a car? Thanks

    • ANSWER:
      The agency that rents you a car should be able to provide you with an insurance policy.

      If you want to buy an independant insurace, it will depend on where in canada you are. Some provinces have government insurance (British Columbia - I.C.B.C. for example) and some have private insurance (Alberta - Co-operaters insurance for example)

      You might also be able to arrange it through a travel agency, or CAA.

  4. QUESTION:
    How much does non-owners auto insurance cost on average?
    I would like to know the average cost per month

    • ANSWER:

  5. QUESTION:
    I need SR-22 auto -insurance, for non-owner. Can you help me find a company that can do this for me?

    • ANSWER:
      All insurance companies offer it (They have to by law). Its called Non-Owner SR-22 Insurance. Try Progressive, GEICO, State Farm, and Allstate first. If their prices are too high, here is one I found online. Just type Non owner sr-22 insurance in your search bar. Good Luck.

      http://www.anconainsurance.com/Non-Owner_Auto_Insurance_SR22.htm

  6. QUESTION:
    If you have non-owners auto insurance but then buy a car, can the insurance be transferred over to the car?

    • ANSWER:
      It depends on your insurance company, but I would say 99.99% "yes".

      Think of it like this... if you have renters insurance on your apartment, and then buy a house, you can normally transfer your coverage from "renter's" to "owner's" insurance with the same company... and you may get a discount from what you pay now... depending on your policy coverage / limits and the vehicle you purchase... Typically, non-owner's insurance costs as much as a teenager's comprehensive insurance on a sports car... if you purchase a "normal" sedan, truck, or SUV and have a good driving record, your rates will typically be lower than what you are paying now.

  7. QUESTION:
    what is the price of non owners auto insurance for someone 18?

    • ANSWER:

  8. QUESTION:
    Where Do I Find Quotes For Non-Owners Auto Insurance?
    I Need It Cheap, Fast, And In Denver,CO.!!!!!!!!!!!!

    • ANSWER:
      www.progressive.com You can do this right on the website 24 hrs a day, BUT & this is a HUGE BUT, if you have regular access to a vehicle (owned by someone in your household or your significant other's vehicle) whether you drive it or not, you will not be eligible for a nonowners policy with Progressive. If this is the case, you may have to go to your State's assigned risk pool - it may be possible to get it there. If you are not sure, call an independent agent.
      Just so you know, it may very well be CHEAPER to insure a vehicle with liability only than to purchase a nonowners policy. At least that has been my experience.

  9. QUESTION:
    which auto insurance company offers non-owner's insurance?

    • ANSWER:
      Insurance cost depends on a LOT of factors,

      it depends on where you live, how much coverage you are going to want, who else is in the household, and the credit score of the owner Just get onto an insurance site, enter your info and the car (it is enough to enter the year, make and model), see what pricing you get.. You can opt out just for minimum liability coverage, no collision or comprehensive, that is if you are willing to forgo the money you invested in the car if you total it and don't care if you are sued in case of serious accident.

  10. QUESTION:
    I heard about this non-owners auto insurance, what exactly is it?

    • ANSWER:

  11. QUESTION:
    auto non owners insurance in corpus christi,texas?

    • ANSWER:
      Don't understand your ?

  12. QUESTION:
    Does anyone know anything about non owners insurance for the state of Missouri?
    I need auto insurance

    • ANSWER:
      It only covers you, when you use a vehicle not owned by you, or any of your household members; and the vehicle must not be available to you for regular use.

      Agents don't like to sell this, for two reasons: 1. it's a pain to write, as pretty much you have to go through the state auto fund of whatever state you're in, and you don't make nearly enough money to cover your costs in writing it and 2. most of the time, people are buying it for the wrong reasons, thinking that it's going to get them out of paying more money to insure them the right way - in other words, claims get DENIED, because people are driving regular use or household member vehicles without being listed.

      In any case, you'll have to talk to a local agent about this. Don't try "do it yourself" insurance. If you're not an agent, you're probably misunderstanding something.

  13. QUESTION:
    Cheap car insurance for a non owner vehicle college student?
    I'm about to start college this fall and I won't have a car with my on campus. I won't need a car on campus until my Junior year when I have to start internships.
    This January my parents want to kick my off their auto insurance cause my rates are pretty high I have 6 points on my record (but 2 of them will be dropped in March). I'm looking for cheap auto insurance for a college student who doesn't own a car. I will need the auto insurance for when I'm back visiting family i can use the family car my parents bought for my brothers and I.

    • ANSWER:
      With all due respect, this gets asked many times every day and there's no answer to it... however it isn't all doom and gloom...

      Try getting a quote online or from a local broker. I am paying less than ½ of what I was paying before.

  14. QUESTION:
    AZ state minimum auto insurance coverage (non-licensed driver)?
    If a non-licensed person is driving someone's car will the insurance company cover the accident even though the driver (non-owner) had a suspended license?

    • ANSWER:
      They might, if the owner reported it stolen. If the owner allowed a non licensed driver to drive their car they totally screwed themselves as far as the insurance goes.

  15. QUESTION:
    Travel insurance coverage that includes full rental car insurance? Why pay for rental car insurance?
    I travel often but have never bought travel insurance. I always rent cars and buy the full insurance coverage from the rental. I don't own a car or any auto insurance. I am somewhat familar with non-owner insurance options and the claimed coverage from the credit card companies. But why buy two insurance coverage when one can pay for both?

    Do you know of travel insurance coverage that includes rental car insurance?

    • ANSWER:
      You can't get Liability coverage. You have to get it from the rental car agency.

      You can get a CDW if you live in the US or Canada. You have 2 choices:

      1) You can get a trip cancellation plan that includes a CDW. Most plans exclude OR, NY and TX residents.You have to be taking a trip with fixed travel dates

      2) You can get a stand alone CDW if you live in the US or Canada except Washington State.

      I hope this helps,

      Steve

  16. QUESTION:
    Auto Insurance Question...?
    I bought a BMW with my girlfriend. We are both on the loan for the vehicle. I was wondering if since I have a bad driving record if we could only insure it under her name. We are both registered owners. Am I able to get full insurance under her name and I get Non-Owner Insurance? What if I were to have her fully insure it but then I get another insurance policy out on the vehicle with liability only?

    • ANSWER:
      You do know something about insurance or you have a good agent.

      You can be excluded from her policy so her company will not cover you if you drive. You can get your own separate policy for just liability and that's fine. It's not a non-owned policy, just a named owned policy since you own the car. That's fine.

      Only one problem, is your policy will not cover you if you crash the car since it will be liability only. But if you want to do that neither company will have a problem with it. It's not the best situation but it is legal and doable.

      Licensed Insurance Agent who has done that for my customers.

  17. QUESTION:
    Auto insurance for international visitor?
    I will be travelling to West coast USA this summer for two months and i am very much hoping to rent a car. The only problem with this is my age. I am under 21, and while i have managed to find plenty of companies willing to rent to me, they all require that i provide my own liability insurance. The CDW (collision damage waiver) is not an issue since this is covered by my credit card company.

    My home auto-insurance in the UK does not extend Liability over driving a) rental cars or b) the USA.

    I understand it is possible to buy either just personal liability insurance or a "non-owners" car insurance policy. The problem with both of these is that i don't have an address in the USA. Is there any way i can still obtain insurance?

    • ANSWER:
      Sure - Progressive will insure ANYTHING for a price - but you will normally have to have a six month policy with them or cancel early (which could cost you more in the long run.)

      You might want to contact a broker in CA for their particular rules and requirements.

      Someone from the Oasis Insurance agencies or perhaps call 909-980-0038 and ask for Sharron. She is knowledgeable in the subject and should be able to assist.

      Good luck and have a good trip!

  18. QUESTION:
    I need Auto Insurance?
    I'm in a dilemma! I need auto insurance to get my drivers license back but I don't own a car. I need a non-owners policy but I can't get coverage because theirs a car in the household. how can I get a policy?

    • ANSWER:

  19. QUESTION:
    for those of you who dont have auto insurance?
    why not??? are you not worried? i understand if you genuinely cannot afford it, but really you wont be able to afford what will happen if you get caught or get into an accident!

    i'm an insurance agent and it KILLS me how many people call in and have never had insurance or havent for years, months, whatever.

    BTW even if you do not have your own car, if you ever drive at all you are supposed to have insurance. it's the law. it's called a non-owners policy and it's very cheap for most people. and if you are driving a friend's car and they have insurance and you dont, and you get into an accident the other person can go after both you and the owner seperately and you'll have no protection.

    • ANSWER:
      welcome to los angeles ! most people figure its only a problem if you can catch them after they hit you !

  20. QUESTION:
    Bodily Injury on Auto Insurance--Exactly how does that work?
    My fiance totaled my car a few weeks ago. He has a non-owners policy on his license, but they said I had to see what my insurance company may do first. They said that because he got injured in the accident in my car (broken arm & ankle), that the bodily injury part of my insurance would cover that. My limit per accident is ,000. There was no other car involved, it was a tree he slid into after a snow storm. I'm having a hard time getting a straight answer from my insurance provider. All they've told me is to have him fax his medical bills over & gave me a fax number. How does that work? Will they issue a check for the ,000 to him? Are they just wanting the bills as proof he was injured? Or will they want to only pay the amount of the bills? And will they want to submit payment to the hospital & doctor's offices? The thing is, he already has good health insurance, that pays for all of his doctor's visits, etc. But I've heard that there's still the "pain & suffering". We're wondering if they'll be sending him a check or how that works. They never asked if he had any health insurance. I'm wondering if they were to find out, would they decide to not pay? They already said it would be covered (this is after the "investigation"). It's been me leaving them voicemails & them leaving me voicemails, so I'm having a hard time getting a straight answer. I'm hoping someone can tell me how this will work. Thank you, ahead of time!

    • ANSWER:
      Insurance follows the car - not the driver. So insurance on the car comes first. If the coverage provided by your policy is not enough to handle the claim then his policy comes in next. It picks up where yours ran out.

      That means, your collision pays for the damage to your vehicle (less your deductible). If you did not have collision coverage on your policy and he does have collision coverage on his policy, then his policy may cover the damage to your car (as a substitute auto - depends on the language in his policy).

      As far as your boyfriends injury claim goes:

      He was driving the car.
      He lost control of the car and hit a tree.
      He is at fault for his injury.

      If he was going to go to court and sue someone for his injury - he has to sue himself. His negligence (failing to control the car, driving too fast for conditions) caused his injury.

      However, you can't sue your self.

      That means he can NOT make a claim against the bodily injury liability coverage of your policy. He can not make a claim against any bodily injury liability coverge provided by his policy.
      He is NOT entitled to pain and suffering because he caused his pain and suffering.

      The only coverage he would have access to is Medical Payments coverage. This is a coverage that pays for dr bills up to the per person limit regardless of fault. So it does not matter that he was at fault, he can still make a med pay claim.

      It sounds like you have a Med Pay limit of 00 per person. That means, the insurance company can process medical bills incurred as a result of the accident up to 00. Once they have paid out the 00 they can not pay any more.

      Whether they make the check out to him or to the medical provider depends on your company. Some make it out to the injured party and let the injured party pay the bills and some companies make it out to the medical provider. I have no way of knowing how your company does it.

      Now....if your boyfriend has more than 00 in medical bills, once he has used up the 00 provided by your policy he can contact his insurance company. IF he has Medical Payments coverage on his policy, that coverage will pick up where yours left off and pay the remaining bills up to the per person limit.

      Medical Payments coverage does not pay for lost wages or pain and suffering. It helps with medical bills incurred as a result of the accident. The bills are processed according to the terms of your policy.

  21. QUESTION:
    Rental car insurance if you don't own a car, renting over 15 days in california?
    I don't own a car so I don't have auto insurance. Visa and Mastercard only seem to cover Collision/Loss Damage Waiver for 15 days. AmEx seems to offer this coverage for 30 days (but I don't have an AmEx card). None of these cards cover liability. Is there a better way to get coverage than buying from the rental car company? Does a homeowner insurance policy cover liability if you damage something or injure someone with a rental car? The Non-owner policies one can buy only cover liability and not LDW/CDW? Any help sorting this out would be appreciated. Please don't reply if you are not knowledgeable on this topic. Thanks.

    • ANSWER:
      Nope, your best bet is to buy the liability coverage from the rental car company, in addition to the physical damage.

      Homeowners specifically DOES NOT cover any kind of auto claim. It's excluded.

      Sometimes, in some states, you can get a named nonowner that will cover rented car physical damage. It's absolutely, definately a coverage offered on the business auto version of the named nonowner policy.

      Bottom line - although there is a named nonowner policy, it's darned hard to find someone willing to write it for you - from a hassle point of view, the rental company insurance is MUCH easier.

  22. QUESTION:
    I need SR-22 auto -insurance, for non-owner. Can you help me find a company that can do this for me?

    • ANSWER:
      A lot of insurance co's will write a named non-owner policy. If too many insurance companies turn you down, you may be what is called "assigned risk." What this means is insurance co's think you are too high of a risk, but the state says you are required to carry insurance. When you are part of the assigned risk pool what happens is the state divvies all folks in your standing equally amongst insurance co's depending on the amount of their policyholders (a percentage of each co must insure assigned risk drivers). One you get assigned a company they are not allowed to drop you for three years...check out this website....http://www.assignedriskauto.org/

      ----Almost forgot, assigned risk are usually only allowed the state minimum coverage only-you can't buy collision), just an fyi

  23. QUESTION:
    I need SR-22 auto -insurance, for non-owner. Can you help me find a company that can do this for me?

    • ANSWER:
      Progressive

  24. QUESTION:
    Auto insurance for international visitor?
    I will be travelling to West coast USA this summer for two months and i am very much hoping to rent a car. The only problem with this is my age. I am under 21, and while i have managed to find plenty of companies willing to rent to me, they all require that i provide my own liability insurance. The CDW (collision damage waiver) is not an issue since this is covered by my credit card company.

    My home auto-insurance in the UK does not extend Liability over driving a) rental cars or b) the USA.

    I understand it is possible to buy either just personal liability insurance or a "non-owners" car insurance policy. The problem with both of these is that i don't have an address in the USA. Is there any way i can still obtain insurance?

    • ANSWER:
      I think the "non-owned" auto policy is your best bet. You can buy a policy using the address you will be staying at while you are here or you can rent a PO Box for your stay and use that for your address. The best way to do that is with a UPS store or Mailboxes Etc Store. When you use one of them you get a street address and you can use "Suite" instead of PO Box. So your address would be like this:

      John Jones
      1234 Any Road
      Suite 123
      Anytown, CA 33333

      Instead of:

      John Jones
      PO Box 123
      Anytown, CA 33333

      That way your address appears to be a suite or apartment instead of a PO Box..... This should satisfy your needs for your trip..... a little tricky but it should work.


Blogroll