Does Esurance Offer Non-Owner Car Insurance?
Esurance offers non-owner car insurance, and it is much cheaper than a standard insurance policy.
Written by Matthew Lynaugh
Reviewed by Shannon Martin
Yes, you can buy non-owner car insurance from Esurance. If you frequently drive cars you do not own or need an SR-22 to reinstate your license, Esurance's non-owner car insurance policy can prove financially responsible at a significantly lower cost than a typical
car insurance
policy. Does non-owner car insurance sound like something you could use? If so, read on to learn all about its benefits and how to get affordable quotes.
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4.7/5 rating on the App Store | Trusted by 5+ million customers and 7 million cars4.7/5 app rating | Trusted by 5M+ driversShould you get non-owner car insurance from Esurance?
- You often drive a vehicle that someone else owns
- You frequently drive rental rent cars or use car-sharing services
- You want to avoid higher rates followingan insurance lapse
Non-owner car insurance is an inexpensive type of insurance coverage that proves financial responsibility and provides liability coverage for those who drive but do not own a car.
Whether you’re renting a car or borrowing your friend’s ride, it's probably already covered by
rental car insurance
or the owner’s insurance policy. Let’s say you’re in an at-fault accident while driving one of these cars; the amount you have to pay will depend on how strong their coverage is.Today, the average cost of a vehicle on the road is nearly $48,000, while the average medical bill after a car collision is even higher at around $60,000. If the car owner’s insurance policy only includes the minimum liability, you will be required to pay whatever the policy doesn’t cover—unless you have your own liability insurance.
If you’ve just sold or gotten rid of your car, purchasing non-owner insurance is a smart way to avoid an insurance lapse and the increased rates that come with it. Even if you are without a car temporarily, keeping an active policy will prevent your provider from hiking up your premiums due to a lapse in coverage, which will help you save in the long run. Some insurance providers even offer a
continuous coverage discount
. Lastly, suppose you are a
high-risk driver
who needs to reinstate your license after a major violation like a DUI or DWI
. In that case, your provider may offer non-owner insurance for you to prove liability coverage to the state.Average cost of an Esurance non-owner auto insurance policy vs. traditional coverage
The average cost of an Esurance non-owner car insurance policy is $380 per year. To give some perspective, the average price of a conventional liability plan for vehicle owners is $991 per year, while the cost of a full coverage policy from Esurance with both
collision
and comprehensive insurance
will run you about $2,146 per year. As made very clear from these numbers, non-owner coverage is notably less expensive than a standard policy. Be aware that factors like your driving history, age, gender, and location will affect your exact cost, though.
MORE: How different kinds of cars affect your car insurance rates
What does non-owner car insurance cover?
A non-owner car insurance policy will generally include
bodily injury liability coverage
and property damage liability coverage
, with minimum amounts depending on your state’s liability limits. Some states also require uninsured motorist coverage (UIM)
, personal injury protection (PIP)
, or medical payments coverage
—all of which can be added to a non-owner's policy. When you boil it down, you will have the same coverage choices as someone building an insurance policy for a car they own. The only difference is that collision and comprehensive coverage are unavailable because non-owner insurance won’t cover any damage to the vehicle you’re driving.
What other insurance companies offer non-owner policies?
Just about every insurance company offers non-owner policies. Esurance offers below-average costs, but you can purchase non-owner auto insurance from any of the following providers:
Keep in mind that not every insurance company works with SR-22s, so you may need to ask insurance agents from different companies if they offer non-owner liability policies with an SR-22.
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FAQ
Who should not get non-owner car insurance?
You cannot get non-owner car insurance if you own a car or have regular access to a vehicle. For example, if you live with your spouse or parent who has a car, getting added to their policy is simple and more cost-effective. You will need your own car insurance policy if you own a car, you will need your own standard car insurance policy.
