Non-Owner Car Insurance

Yes. National General offers non-owner car insurance for drivers who don't own a car but still need to be insured. Non-owner car insurance from National General 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 National General 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 National General, call 1 (800) 462-2123 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 National General 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

Yes, Progressive does offer non-owner insurance policies. Progressive's non-owner auto insurance is a good option for people who do not own a car, but need to have insurance. It is liability coverage only, meaning that it pays for bodily injury or property damage to victims of an accident in which you are at fault. It does not pay for injuries or damages that you or your passengers might sustain during the accident.

If you buy Progressive's non-owner car insurance, the policy will be associated with you, not the car you are driving. As no specific car is associated with your policy, it's likely that the premium you pay will be lower than it would be for a standard insurance policy.

When To Consider Progressive's Non-Owner Car Insurance

If you frequently rent cars

For drivers who often use rental vehicles, buying non-owner insurance coverage might be cheaper than paying for rental insurance each time.

If you are using a car sharing service

For people who frequently use car sharing services, such as Zipcar, obtaining non-owner insurance coverage can provide additional protection in case of an accident.

If you need to get or reinstate your license

Some states require that drivers carry car insurance in order to reinstate their driver's license, even if they do not own a car. In such cases, non-owner car insurance can fulfill this requirement.

If you need to file an SR-22 form

Non-owner insurance policies can sometimes fulfill your state's insurance requirements if you need to file an SR-22 after a serious driving-related conviction.

If you do not own a car, but drive frequently, looking into Progressive's non-owner insurance policy might be an affordable way to ensure you're protected while on the road.

The General offers non-owner car insurance for people who don't own a vehicle but still need liability protection. If you lose your license for a driving or insurance violation, you may need proof of insurance to get your license back, even if you don't own a car. Not all companies will insure you in this case. However, The General specializes in covering drivers with problems on their records.

The General's non-owner liability insurance doesn't cover injuries to you or your passengers, or damage to the car you are driving. It pays the victims for bodily injuries and property damage when an accident is your fault. If you regularly drive someone else's car, having your own liability policy will protect you financially. You also may want extra insurance if you use a car-sharing service like Zipcar. These services include insurance, but the coverage levels are relatively low.

Non-owner liability insurance from The General is cheap compared to collision or comprehensive coverage, which pay for damage to your car. The low cost makes non-owner insurance worth considering when you're between cars, too. Insurance companies don't like to see gaps in insurance They often react with higher premiums. Buying inexpensive non-owner liability insurance keeps your coverage continuous. This can save you money in the long run.

For a quote on non-owner car insurance from The General, call (844) 328-0306 or visit The General's website.

Extended non-owned coverage is an add-on to a driver's personal car insurance policy that extends liability and medical payments insurance to a company car. Since many personal car insurance policies exclude the use of employer-provided vehicles, this extension can help a driver avoid gaps in coverage. Having extended non-owned coverage also is important because a company car's insurance policy may not apply when you drive the car for personal use. Extended non-owned coverage generally does not cover damage to the car itself, however.

On the other hand, drivers who need coverage for personal use of a company-owned vehicle but do not have a personal insurance policy should purchase a non-owner insurance policy. Non-owner insurance is designed for drivers who frequently use cars they do not own, so it will cover you when you use your company-owned car for non-business purposes. However, you cannot purchase non-owner coverage if you or someone in your household owns a car.

If you choose to purchase extended non-owned coverage, it will only add about $50 to your annual premium. Any family members who might drive the car should also be named on the endorsement. But if you need to get an entirely separate non-owner insurance policy, you should expect to pay between $200 and $500 annually.

Nationwide's non-owner car insurance is a good choice for drivers who don't own a car but need to have insurance anyway. Non-owner car insurance from Nationwide is liability-only, so it pays for the other driver's injuries and property damage after an at-fault accident but doesn't cover damage to the car you were driving or injuries to you or your passengers.

Non-owner insurance from Nationwide is typically more affordable than a traditional policy because it only covers you, not a vehicle. Your quote will mainly depend on your driving record, but a non-owner policy from Nationwide costs an average of about $675 per year, which is more expensive than a non-owner policy from some of the company's major competitors. Drivers should compare quotes from at least a few competitors to make sure they get the lowest price.

There are several reasons drivers might want non-owner coverage, like being required to file proof of insurance to reinstate a driver's license or being temporarily in-between cars. But if you are renting or borrowing the same car over and over again, a non-owner policy might not be the right fit. If you routinely borrow the same person's vehicle, you should be listed as a driver on their car insurance policy. Plus, your credit card company might offer some coverage on rentals.

To get a personalized quote for non-owner car insurance from Nationwide, call 1-877-669-6877 or visit their website.

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 purchase non-owner policies from the country's 10 largest insurers or from many nonstandard insurance companies.

Companies Offering Non-Owner Insurance

• Farmers
• Progressive
• Nationwide
• Travelers
• American Family
• State Farm
• Geico
• USAA
• Allstate
• Liberty Mutual
• The General
• Kemper
• Dairyland
• Acceptance
• Direct Auto
• Hallmark

Not all of these companies operate in every state. Additionally, Progressive only offers non-owner insurance policies to existing customers. It's also worth noting that if you are rejected by a major company like Geico or State Farm, the nonstandard insurers on this list might be willing to sell you a policy.

Since non-owner insurance is relatively uncommon, most insurance companies have customers call for a quote rather than getting an estimate online. But despite the extra time this requires, comparing multiple quotes will pay off in the long run by saving you money based on your specific location and driving history.

No, you can't get a temporary car insurance policy. No reputable car insurance company offers a policy shorter than six months. However, you can get coverage for a short time by purchasing a six-month policy and cancelling when you don't need it anymore. Your choices are a non-owner policy and a standard car insurance policy.

Non-owner insurance costs less, since you're only covering yourself and not a vehicle. This is a great choice for seasonal employees – students who might only need to drive for a summer job, for example. Some families also want young new drivers on a separate, temporary policy until they really learn how to drive, and non-owner insurance works for them, too. Plus, it's your best bet if you're going to borrow or rent a car for an extended period, such as a long vacation.

You need a standard car insurance policy if you own the car you're driving, even if you may not be driving it for the full length of a policy (six months or a year). For example, if you're in the process of selling your car, you still need insurance. But you're free to cancel it once you sell your vehicle.

Surprisingly, even cars in storage can benefit from a temporary insurance policy. If your car isn't currently registered, you don't need to carry insurance. And you might plan on saving some money by dropping your coverage. But just because your vehicle is off the road doesn't mean it's safe from potential threats like theft, vandalism, fire, and flooding. Without comprehensive insurance, you would be stuck paying for those damages out of pocket. So, you could get an insurance policy with the minimum legal insurance until you sell the vehicle or hit the road again. Some companies let you suspend liability insurance on a stored car, allowing you to just keep comprehensive coverage.

Talk to an established insurance company about insurance options for your short-term needs. Don't forget, there's no such thing as “short-term insurance,” and anyone willing to sell you a policy shorter than six months is probably trying to scam you.

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 drive occasionally using rental cars, car sharing services, or borrowed vehicles. When you drive someone else's car with their permission, you are generally covered by their insurance policy. But non-owner coverage allows you to choose your own policy limits, and it's easier handle an insurance claim when you're the insurer's customer.

You should also consider purchasing non-owner car insurance if you are temporarily between cars and want to maintain continuous coverage with your insurer in order to avoid a lapse in coverage or receive customer loyalty discounts and benefits.

What Non-Owner Car Insurance Covers

• Injuries to other drivers in accidents that you cause.
• Property damage that you cause, excluding damage to the vehicle you're driving.
• Your medical bills after accidents, depending on your state.

Most major insurance companies offer non-owner car insurance, which usually costs between $200 and $500 per year. If you purchase a non-owner policy, you are required to carry at least your state's minimum coverage amounts. But you can also purchase additional coverage that is not required.