Non-Owner Car Insurance
Non-owner car insurance is liability coverage for people who drive but do not own a car. Many people buy it to meet an SR-22 requirement, but it is also useful on its own.
Who buys non-owner insurance (without an SR-22)?
- Frequent renters who want to skip the rental company's liability coverage
- People who borrow cars, or use car-sharing services, occasionally
- Drivers between cars who want to avoid a coverage gap
- City residents who drive only a few times a month
Cost with and without an SR-22
| Policy | Typical yearly cost |
|---|---|
| Non-owner, clean record | About $300 to $600 |
| Non-owner with an SR-22 | About $480 to $900 |
| Non-owner with an SR-22 after a DUI | About $900 to $1,800 |
Adding an SR-22 later
If you already have non-owner insurance and then receive an SR-22 requirement, ask your insurer whether it can file the form. If it cannot, you will need to switch to a carrier that does.
Can I get non-owner insurance if I live with someone who owns a car?
Usually only if you do not have regular access to that car. If you drive it regularly, you should be listed on the owner's policy.