{"id":36417,"date":"2022-04-11T09:00:08","date_gmt":"2022-04-11T16:00:08","guid":{"rendered":"https:\/\/www.freeway.com\/?page_id=36417"},"modified":"2023-09-20T09:57:51","modified_gmt":"2023-09-20T16:57:51","slug":"non-owner","status":"publish","type":"page","link":"https:\/\/www.freeway.com\/auto-insurance\/coverage\/non-owner\/","title":{"rendered":"Non-Owner Car Insurance"},"content":{"rendered":"
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What is Non-Owner Car Insurance?<\/h2>\n
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Non-owner car insurance<\/a><\/strong> includes bodily injury and property damage in a liability insurance policy for drivers who typically use rental cars or borrow someone else\u2019s car to get around. It is designed to give you financial protection if you cause an accident. This type of car insurance is generally for people who do not own a vehicle, but still intend to drive. These policies won\u2019t pay for your injuries or the damage to the vehicle you are driving, but they will cover the other driver\u2019s injuries and damages up to the policy limits. Non-owner car insurance is also helpful since if you get in a wreck in your friend\u2019s car, it\u2019s likely that it won\u2019t affect their insurance rates. This type of car insurance is an optional car insurance coverage<\/a> available to drivers.<\/p>\n <\/div>\n \n \n \n \n <\/div>\n <\/div>\n<\/section>\n\n

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How Much Do Non-Owner Car Insurance Quotes Cost?<\/h2>\n
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Generally speaking, it\u2019s cheaper than traditional car insurance, averaging between $200-$500 annually. This illustrates why shopping around and comparing car insurance<\/a> quotes is a good idea.<\/p>\n

There are many factors that are taken into consideration when an insurance company gives you a quote, including your driving history, your age and where you live to name a few. However, if you are seeking non-owner car insurance due to a state-ordered SR-22, it may cost you quite a bit.<\/p>\n <\/div>\n \n \n \n \n <\/div>\n <\/div>\n<\/section>\n\n

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Should I Get Non-Owner Insurance?<\/h2>\n
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If you still plan to drive fairly often, but don\u2019t have your own set of wheels, then yes. There are several circumstances why someone might consider purchasing non-owner car insurance.<\/a> Insurance companies tend to frown on unexplained huge gaps in car insurance coverage. If and when you do purchase your own vehicle, your premium could be higher if you have one of these gaps in coverage on your record. This wouldn\u2019t apply to people who have a good reason for an extended period of no car insurance, such as a military member who is deployed to another country. Other reasons for considering non-owner car insurance include:<\/p>\n <\/div>\n \n

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