A named operator policy is a car insurance policy that provides coverage to drivers who do not own a car but plan to drive regularly using rental cars, car sharing services, or borrowed vehicles. Named operator policies are more commonly referred to as non-owner car insurance.
Most major insurers offer named operator insurance, which usually costs between $200 and $500 per year. Bear in mind that even if you don’t personally own a car, you will likely be unable to purchase a named operator policy if someone in your household has a vehicle.
Non-owner car insurance costs an average of $200-$500 annually, though prices vary by insurance company and individual driver. Non-owner auto insurance policies are typically cheaper than standard policies because drivers who don’t own a car are less likely to file a claim than car owners. Like with any auto policy, insurance companies determine non-owner premiums based on … read full answerfactors like the consumer’s ZIP code, age, and driving record.
Non-owner car insurance provides supplemental coverage for drivers who use borrowed, rented, or carsharing vehicles and do not own their own vehicle. Additionally, drivers without their own vehicle can purchase a non-owner policy in order to fulfill an SR-22 or FR-44 requirement. However, non-owner coverage is not an option if you do possess a car, or if someone in your household owns a car that you have regular access to.
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