Auto insurance
What Is Non-Owner Car Insurance?
Non-owner car insurance is liability coverage for people who drive but do not own a car. It is not the right fit for everyone.
What it usually covers
Liability if you injure someone or damage their property while driving a car you borrow or rent. It usually does not cover damage to the car you are driving or your own injuries.
Who may need it
- People who borrow cars often but own none
- People who rent cars often
- Drivers who need to show proof of insurance to keep a license active, for example after a violation
What it does not do
- It does not cover a car you own or one that lives in your household
- It does not replace the owner policy on a car you borrow
- Rules vary by state and by company
Next step
Ask an agent to compare non-owner options with adding yourself as a driver on a family policy. A licensed agent can explain which fits your state and situation.
General information only, not financial, legal or insurance advice. Rules, prices and benefits vary by state and by policy. A licensed professional can explain what applies to you.