Non-Owner Car Insurance: What Is It and Who Should Have It?

Every once in a while, you borrow a car from a friend, family, or even rent to serve your needs. There are numerous people driving on the road who do not own the vehicles they drive. Though they don’t have to be the legal owners, all the drivers must be legally insured.

For that very reason, many insurance companies offer drivers non-owner car insurance. With amazing non-owners car insurance quotes, the drivers are covered in any unfortunate event of an accident they are at fault.

It is a liability policy for all the drivers who do not own a car but rent or borrow frequently. The liability coverage covers the vehicle damages and injuries to others in the unfortunate event. Read on to learn everything about non-owner car insurance.

What does non-owner car insurance cover?

The main coverage of this insurance is the liability coverage for vehicle property and bodily damages to the other party in the incident. Suppose someone is injured or their vehicle is heavily damaged after a collision you caused. Your insurance company will cover any additional charges of repairs, medical expenses, and other damage expenses.

Many states impose this insurance to keep uninsured drivers off the roads. If you are driving a rented car and the accident takes place, the non-owner car insurances covers:

  • Bodily injury to the other party, medical expenses
  • Property damage
  • Legal defense in case you are sued for the accident

Depending on the company and the state, your non-owner car insurance has the following medical coverage:

  • Uninsured motorist coverage: This coverage can help pay for your medical expenses if someone crashes into your vehicle and doesn’t have liability insurance or not enough insurance. The policy also covers hit and run accidents, depending on your state.
  • Rental car liability policy: If you drive a rental car, the provider can include rental car liability policy in the agreement. With this policy, your insurance company will cover all the damages to the vehicle, any injuries in the accident for you and the other party. It also includes theft and vandalism under the policy.
  • Medical payments: This non-owner insurance policy covers all the medical bills for you and your passengers, irrespective of who caused the accident. This policy is very beneficial as both parties are protected.

Non-owner car insurance is basically secondary coverage, and it is implemented only after the primary coverage pats. For example, if you borrow your friend’s car and cause an accident, your friend’s car insurance pays first up to the policy limits. If their policy’s liability limits are exhausted, then your non-owner car insurance will come into the picture and cover the rest of the expenses.

Non-owner insurance is purchased on a per person or driver basis. There can only be one person insured under this policy, with exceptions. Everyone else needs their own insurance. Sometimes, non-owner policies may also come with a certain coverage limit. It is essential to cross-check all the parameters to pick the right policy for your needs.

When should you need one?

There are many reasons why it can be worth getting non-owner car insurance. Here are some instances:

You rent a car often

If you rent four-wheelers on a regular basis, you might want to have non-owner car insurance, so you really don’t need to worry about liability insurance from your rental agency. This policy can come in handy when you are traveling to other countries, depending on your policies.

You use a car-sharing service

If you rely on a car-sharing service, this insurance gives you more coverage than the company provides. It is always wise for you to be on the safer side.

You don’t want a coverage gap

When you don’t have car insurance, it creates a coverage gap that car insurance companies see as a higher risk and leads to higher car insurance premiums the next time you buy any car insurance. The best you can avoid these coverage gaps is by purchasing non-owner car insurance.

Public transportation

If you are a driver working in public transportation, you may want to invest in non-owner car insurance to remain on the safer side.


Non-owner car insurance comes in handy when you are a regular renter or use other vehicles frequently. There are a few exceptions on some insurance policies. You will have to cross-check and pick the right non-owner car insurance that suits the needs as well as abides by the state laws. Get one of these policies to secure yourself!

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