Non Owners Auto Insurance: A Complete Guide

If you frequently drive a car that you don’t own, you may wonder what kind of insurance coverage you need. Non owners auto insurance can provide you with the necessary protection if you are driving someone else’s car or renting a vehicle. In this article, we’ll explain what non owners auto insurance is, what it covers, and how it can benefit you.

What is Non Owners Auto Insurance?

Non owners auto insurance is a type of liability insurance for people who drive cars they do not own. It offers financial protection if you cause an accident while driving a borrowed or rented vehicle, and the car owner’s insurance is inadequate to cover the damages. Non owners auto insurance is also known as non-owners car insurance, non-drivers insurance, or driver’s liability insurance.

With non owners auto insurance, you purchase coverage for yourself, not for the car. The policy typically covers bodily injury and property damage liability. That means if you cause an accident, your non owners auto insurance policy will pay for the damages to the other driver’s car and any medical expenses they may have. However, it won’t cover damages to the car you’re driving or your own injuries.

Who needs Non Owners Auto Insurance?

Non owners auto insurance is ideal for drivers who don’t own a car but regularly borrow or rent one. It’s also useful for people who are required to have car insurance but don’t have a car. For example, if you frequently use car-sharing services or rent cars while traveling, you may need non owners auto insurance.

Non owners auto insurance is also required in some states if you have had your driver’s license suspended or revoked. If you get caught driving without insurance, you could face fines, license suspension, or even jail time.

What Does Non Owners Auto Insurance Cover?

Non owners auto insurance typically covers the same types of liabilities as traditional car insurance policies, including:

It’s important to note that non owners auto insurance policies typically don’t include collision or comprehensive coverage. That means if you damage the car you’re driving, or it gets stolen or vandalized, you won’t be covered.

How Much Does Non Owners Auto Insurance Cost?

The cost of non owners auto insurance varies depending on several factors, including your driving history, age, gender, and location. On average, non owners auto insurance costs between $200 and $500 per year. However, some drivers may pay more or less depending on their individual circumstances.

The best way to find out how much non owners auto insurance will cost you is to get quotes from multiple insurance companies. You can do this online or by calling each company directly. Be sure to compare the coverage limits and deductibles to ensure that you’re getting the best deal.

FAQ About Non Owners Auto Insurance

Q: Is non owners auto insurance mandatory?

A: Non owners auto insurance is not mandatory in all states. However, some states require drivers who have had their license suspended or revoked to have non owners auto insurance in order to get their license reinstated.

Q: Can I add non owners auto insurance to a rental car?

A: Yes, you can purchase non owners auto insurance to cover a rental car. This can be an affordable alternative to buying insurance from the rental car company, which can be expensive.

Q: Does non owners auto insurance cover rental cars?

A: Yes, non owners auto insurance can cover rental cars. However, you should check with your insurance company to make sure that the policy includes rental car coverage. Some policies may exclude rental cars or have specific limitations on coverage.

Q: Can I get non owners auto insurance if I have a DUI on my record?

A: It depends on the insurance company. Some insurance companies may be reluctant to insure drivers with a DUI on their record, while others may charge higher premiums or require the driver to complete a safe driving course.

Q: Do I need non owners auto insurance if I have a credit card that offers rental car coverage?

A: While some credit cards offer rental car coverage, this coverage may not be sufficient for all situations. Non owners auto insurance can provide more comprehensive liability coverage and peace of mind while driving a borrowed or rented car.

Conclusion

If you frequently borrow or rent cars, non owners auto insurance can provide you with the liability coverage you need. It’s an affordable alternative to traditional car insurance policies and can help protect you from financial loss in case of an accident. Remember to compare quotes from multiple insurance companies to find the best policy for your needs.