How to Get Car Insurance For a Car You Don't Own

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It’s when you’re driving a car that isn’t yours, or you don’t have ready access to a car, that you need non-owner car insurance. It’s an insurance policy that provides you with the coverage you need to legally operate a car. You might also need non-owner car insurance if you’re trying to get your driver’s license. While only a few car insurance providers offer non-owner insurance, it’s possible to obtain car insurance for a car you don’t own. Here’s how to find, compare, and purchase a non-owner car insurance policy.

Find a car insurance company that offers non-owner policies

Many car insurance providers do not provide non-owner car insurance policies. If you work with a company for other products like home insurance, life insurance, or renter’s insurance, you may want to start there. If your current insurance provider does not cover non-owner car insurance, you can inquire from these companies who do:
  • Progressive Insurance
  • Geico
  • Dairyland
  • Titan
  • Infinity
To purchase non-owner car insurance, you will need to call an agent to set up the policy. You’ll require a driver’s license, a credit or debit card, and an SR-22 may be required.
  • Note: An SR-22 is a document confirming vehicle liability insurance, especially for high-risk insurance policies.
Step 1: Contact the insurance company. You simply need to ask if they offer non-owner car insurance policies.
If you choose to shop around, it might take a few phone calls to find a company that deals with non-owner policies.
Step 2: Provide your state notification number. If an SR-22 is required, you’ll need to give the insurance agent your state notification number before you can proceed.
Step 3: Complete your driver’s history questionnaire. The insurance agent will need your basic driving history before proceeding with a non-owner car insurance policy.
If you are not able to obtain a driver’s license within a 30-day time frame from your call, you likely are not eligible for a non-owner policy at this time.
Step 4: Complete a quote for your insurance policy. Between you and the insurance agent, determine the coverages available that match your requirements and desires. Then, request a quote for your insurance policy. Ask for a reference or quote number if possible.
If you believe the price is too steep, you can call other car insurance providers to comparison shop. This can take some time as non-owner car insurance policies aren’t quoted online at this time.
Step 5: Select the company that best suits your needs and price point. If it’s not the only place you’ve called, ask the agent to pull up your quote via your reference number.
Step 6: Make the required payment for your non-owner car insurance policy. You can make the payment over the phone by credit card if you’d like.
You can pay in full or make a down payment on your coverage.
  • Tip: You might be eligible for a slight discount if you pay your insurance premium in full.
Once you’ve proceeded with the payment, the insurance company is able to send you proof of insurance right away by email.
You’ll need car insurance if you own a car, and you may need it even if you don’t. A non-owner car insurance policy might be right for you if you don’t own a car and don’t plan to drive more than once a week or four times per month. Also, most non-owner policies are limited to personal use, not business.

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