Lilah Butler, Car Insurance Writer
@lilah_c
Yes. Mercury offers non-owner car insurance for drivers who don’t own a car but still need to be insured. Non-owner car insurance from Mercury is liability-only coverage, which means it only pays for bodily injuries and property damage suffered by the other driver in an accident for which you were at fault. Non-owner car insurance does not pay for your injuries or those of your passengers, and it won’t cover damage to the vehicle you were driving, either.
Normally, most of the cost of car insurance goes to covering the vehicle. Because a Mercury non-owner policy only covers you, not the vehicles you drive, premiums are lower than on a standard policy. Your individual quote will mostly depend on your driving record, but the average cost of non-owner car insurance is about $480 per year nationwide.
To find out how much you would pay for non-owner car insurance from Mercury, call 1 (800) 503-3724 to get a free quote. It’s definitely worth exploring for many drivers. After all, there are numerous situations where non-owner car insurance could be helpful. You should consider non-owner car insurance from Mercury if you:
- Drive frequently but do not own a car
- Rent cars regularly
- Use car sharing services, such as Zipcar, often
- Need to get or reinstate your license
- Need to file an SR-22 form, despite not owning a car
If you want to learn more, you can check the full review of Mercury on WalletHub, as well as our guide to non-owner car insurance.
People also ask
Does Mercury offer rental car insurance?
Yes, Mercury offers rental car insurance. If you already have a personal auto policy from Mercury that includes liability, comprehensive, and collision coverage, this insurance will likely extend to cover your rental car. If you only have liability insurance with Mercury, physical damage to the rental vehicle will not be covered.
You can talk to a Mercury customer service representative at 1 (800) 503-3724 to see if your personal policy will extend to your rental car. If you...
read full answer by Delaney Simchuk, Car Insurance WriterDo 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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