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
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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Should you get non-owner car insurance from Esurance?
You should think about getting
non-owner car insurancecoverage from Esurance if:
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 insuranceor 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.
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
comprehensive insurancewill 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.
What does non-owner car insurance cover?
A non-owner car insurance policy will generally include
bodily injury liability coverageand
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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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.