Lilah Butler, Car Insurance Writer
@lilah_c
Yes, Esurance offers non-owner car insurance. To qualify, drivers cannot own a car or live with anyone who owns a car. Esurance even offers non-owner insurance to drivers who need to file an SR-22 with their state to prove they have insurance.
Drivers can get a quote and purchase an Esurance non-owner policy by calling the company at 1-800-378-7262. Because non-owner policies are somewhat unusual, most companies, including Esurance, do not offer quotes online.
Esurance non-owner policies are typically cheaper than standard policies, since non-owners drive much less frequently than owners. However, if you are buying a non-owner policy in order to get an SR-22, you will be considered a high-risk driver and your premium will usually be higher than average as a result. Additionally, it’s worth noting that if you buy a non-owner policy with Esurance and have the company file an SR-22, Esurance will be obligated to notify your state’s DMV if your coverage lapses. Then, the state will likely suspend your license.
In general, non-owner policies are ideal for drivers who do not have regular access to a car but need to file an SR-22, rent cars often, or frequently borrow cars. Non-owner insurance can also be worthwhile if you temporarily do not have a car but want to avoid a lapse in coverage, which can lead to rate increases later on.
To find affordable insurance without your own vehicle, check out WalletHub’s advice on the cheapest non-owner insurance. And always remember to compare quotes so you can be sure to get the best coverage for the lowest price.
People also ask
What type of insurance is Esurance?
Esurance is a property and casualty insurance company that offers policies like auto, homeowners, and renters insurance to customers in many states. Esurance is best known for selling car insurance policies, and it offers all the major types of coverage like liability, comprehensive, and collision insurance.
Types of Insurance Offered by Esurance
- Car insurance
- Motorcycle
- Homeowners and Renters
- Rideshare insurance
To learn more, check out WalletHub’s review of Esurance.
read full answerWho has the cheapest non-owners insurance?
The cheapest non-owner insurance is from Geico, State Farm, and Farmers. Non-owner insurance is for people who don’t own a car but rent or borrow one frequently. Although non-owner car insurance is usually cheaper than a standard policy, the cost can still vary widely based on location, driving record, and other risk factors.
Non-owner policies fulfill the state’s mandatory minimum requirements for liability coverage, though some companies also allow drivers to purchase additional coverage. Drivers can...
read full answerDo I need car insurance if I don't own a car?
No, you do not need car insurance if you don't own a car and don't plan to drive, unless your state has required you to file an SR-22 or FR-44. If that is the case, then you can purchase non-owner insurance, which will give you at least the minimum amount of coverage required by your state.
Even if you’re not required to carry non-owner car insurance, it’s a smart investment if you want the freedom to...
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