Lilah Butler, Car Insurance Writer
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.
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