How To Get an Insurance Quote Without a Car (2024)
Non-owner auto insurance policies exist for people who borrow or rent cars without owning one. Non-owner coverage costs $39.50/mo on average in the US.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Oct 18, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 18, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- If you do not yet own a vehicle, you can purchase a non-owner policy from an auto insurance company
- This type of auto insurance policy will protect you from liability in the event that you are in an accident in a car that you do not own
- If you already own another vehicle, then you do not need to carry a non-owner auto insurance policy because your existing auto insurance policy will cover you
- When you purchase a non-owner auto insurance policy, you should buy it in your official state of residence and make sure that you meet at least the state minimum coverage requirement
There are plenty of reasons that you may want to get an auto insurance quote without actually owning a car. If you travel frequently, this is a good option for someone who drives many rental cars.
In addition, if you find that you frequently borrow other people’s vehicles to run errands because you do not own a car of your own, you should also consider a non-owner auto insurance policy.
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Why You May Need a Non-Owner Auto Insurance Policy
Even if you do not own your own vehicle, you may still need to purchase auto insurance.
If you frequently borrow other people’s vehicles to drive, then a non-owner auto insurance policy will help cover you in the event of an auto accident while you are driving a vehicle that you do not own.
The general rule of thumb is that you should purchase a non-owner auto insurance policy if you drive someone else’s car more than 10 times a month.
However, if you plan to drive any car in your state, you should always maintain at least the state minimum auto insurance coverage so that you are not faced with fines and penalties under state law.
One option to consider is that if you are frequently borrowing the same person’s car, you may want to ask to be added to their existing auto insurance policy.
This may work out to be cheaper for you than purchasing a separate non-owner auto insurance policy. When you are requesting non-owner auto insurance policy quotes be sure to ask the insurance agent if you think this situation applies to you.
Also, if you travel frequently and have to rent cars, then a non-owner auto insurance policy should be something you consider.
If you already have an auto insurance policy for a vehicle that you own, then you will not have to purchase a non-owner auto insurance policy in order to rent a car because you will already be covered in the event of an auto accident under your existing owner auto insurance policy.
If you are driving a vehicle for work purposes, you should inquire from the company about what auto insurance policy exists for those vehicles. Your company should have a separate business vehicle policy.
However, you may still want to consider extra coverage so that you do not have to pay out of pocket if you cause an accident while driving a company vehicle.
Be sure to mention any company auto insurance policy when you are requesting quotes for a non-owner auto insurance policy.
Also, if you have a teen driver in your household who does not yet own a car, a non-owner auto insurance policy may be the perfect coverage option for them.
Keep in mind that if you frequently allow your teen to drive your vehicle without being added to your own existing policy or having a non-owner auto insurance policy, your insurance company may decline coverage if you have to file a claim from an auto accident.
Having a non-owner auto insurance policy for your teen driver could be a good way to save money on your premium by not adding them to your policy.
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Purchasing a Non-Owner Auto Insurance Policy
When you are searching for a non-owner auto insurance policy, you should request quotes based on your official state of residence.
Even though you do not own a car, you will still be required to carry at least the state minimum level of auto liability coverage to drive in your state.
You may want to consider adding optional coverage to protect you in the event of an accident. If you do not have the resources to pay out of pocket for damage in an auto accident, then you may want to consider increasing your policy limits.
When you are shopping around for quotes on a non-owner auto insurance policy, be sure to ask the insurance agent about possible ways that you can save money on your policy.
They will likely ask you questions about the total number of miles that you expect to drive in a year and for what purpose you expect to be driving to help determine the rate that you will receive.
In sum, if you plan to drive other people’s vehicles or travel frequently, then a non-owner auto insurance policy may be a good idea for you.
It is never a good idea to drive any car without having at least the required amount of basic auto liability coverage under your state law.
Even if you do not own a car, you could still be responsible for paying for any damages out of pocket in an auto accident that you cause while driving someone else’s vehicle.
Make sure you’re paying the best price for auto insurance today. Enter your zip code below to start comparing.
Frequently Asked Questions
Can I get an insurance quote even if I don’t own a car?
Yes, you can still obtain an insurance quote even if you don’t currently own a car. Insurance companies offer various types of policies, including non-owner car insurance and renters insurance, which may provide coverage for you even if you don’t own a vehicle.
What is non-owner car insurance?
Non-owner car insurance is a type of policy designed for individuals who frequently drive but do not own a car. This coverage provides liability protection when you’re driving a vehicle that you don’t own. It typically includes bodily injury and property damage liability coverage.
Why would I need non-owner car insurance?
Non-owner car insurance can be useful in several situations. For example, if you frequently rent cars or use car-sharing services, this insurance can provide an additional layer of coverage. It can also help maintain continuous insurance coverage, which can be beneficial for future insurance premiums.
How do I obtain a non-owner car insurance quote?
To get a non-owner car insurance quote, you can contact insurance companies directly or use their online quote tools. Provide the necessary information, such as your personal details, driving history, and coverage preferences. The insurance company will assess the information and provide you with a quote based on your specific circumstances.
What if I don’t need car insurance but still want coverage for my belongings?
If you don’t own a car but want insurance coverage for your belongings, you can consider renters insurance. Renters insurance typically covers your personal belongings against perils such as theft, fire, and certain types of damage. It may also provide liability protection in case someone gets injured in your rented property.
How can I obtain a renters insurance quote?
Getting a renters insurance quote is similar to obtaining other insurance quotes. You can reach out to insurance companies directly or use their online quote tools. Provide accurate information about your rental property and the value of your belongings. The insurance company will assess the information and provide you with a quote based on the coverage limits you choose.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.