Does Farmers Insurance Offer Non-Owner Car Insurance?

A non-owner car insurance policy through Farmers is about ten percent cheaper than average coverage—but is it right for you?
Written by Kathryn Mae Kurlychek
Reviewed by Shannon Martin
You can purchase a non-owner car insurance policy through Farmers for around half the price of the average annual premium—but it won’t cover the cost of vehicle damage or repairs following an accident. 
If you regularly drive but don’t own your own vehicle, a non-owner car insurance policy could be just what you need. With non-owner car insurance from Farmers, you’ll have coverage for your state’s minimum liability insurance requirements. If you’re looking for non-owner car insurance to help reinstate your license, you should know that Farmers also offers SR-22 filing and insurance.

Should you get non-owner car insurance from Farmers?

Non-owner car insurance
coverage is right for drivers who don’t own their own vehicles. With a non-owner car insurance policy, you’ll get the protection of liability insurance at a lower price, which not only helps you prove financial responsibility but also adds additional protection to the vehicle owner’s policy. 
You should consider purchasing non-owner car insurance if:
  • You frequently drive a vehicle that belongs to someone else 
  • You frequently rent cars or use car-sharing services
  • You need proof of
    liability insurance
    to get your driver’s license back
  • You need to file
    an SR-22
    FR-44 certificate
    but don’t own a car
  • You’re planning to sell or gift a car and buy another soon afterward
  • You want to avoid
    an insurance lapse
    while you temporarily have no car
If you’re driving someone else’s car—whether it belongs to a rental company, friend, or family member—chances are it’s already covered by an insurance policy (or by
rental car insurance
). But that doesn’t mean you are. If you’re involved in an accident while driving another person’s car, you could be responsible for paying damages for whatever the policy doesn’t cover.
On top of protecting your wallet (along with someone else’s property), non-owner car insurance can help you avoid a lapse in coverage if you’re between vehicles. Unless you’ve given up on car ownership for good, it’s usually best to maintain continuous auto insurance coverage to ensure you’re meeting your state’s legal requirements—and it’s also a great way to earn
continuous insurance discounts
from insurers. 
Non-owner car insurance could also be the right fit if you’re in the process of reinstating your driver’s license after a traffic violation and need to prove adequate insurance coverage. 
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Average cost of a Farmers non-owner auto insurance policy vs. traditional coverage

A non-owner car insurance policy is generally cheaper than a standard one—around 10% cheaper, in fact. With Farmers insurance, the savings are even greater! The average cost of non-owner car insurance from Farmers is just $518 per year
By comparison, the average cost of standard coverage with Farmers is $1,917, which is about $500 above the national average, according to U.S. News. And for a full-coverage Farmer’s policy (including both
comprehensive insurance
), you’re looking at $2,912 per year

What does non-owner car insurance cover?

As we’ve covered, non-owner car insurance provides you with basic liability insurance when you’re driving somebody else’s vehicle—but what exactly does that entail? 
Non-owner car insurance is designed to provide you with roughly the same insurance coverage as is required by your state’s law, except for vehicle damage and repairs. In other words, you’re covered up to your insurance limit for basically everything but the cost of fixing the vehicle. 
A typical non-owner car insurance policy includes both
bodily injury liability coverage
property damage liability coverage
, with minimum amounts based on the liability limits in your state. If your state requires
personal injury protection (PIP)
medical payments coverage
, or
uninsured motorist coverage (UIM)
, those coverages may also be included in a non-owners policy. 
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What other insurance companies offer non-owner policies?

Farmers isn’t the only insurer to offer non-owner policies. In fact, most auto insurance companies have a version of non-owner insurance available, including the following providers:
While most providers offer non-owner car insurance, only some companies work with SR-22s. So if you’re seeking a non-owner policy to meet financial responsibility requirements, you’ll want to shop around to see which providers can accommodate your needs. 
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It depends. If you regularly drive a vehicle that’s not in your name (such as a rental car or vehicle that belongs to a friend or family member) you can sign up for a non-owner car insurance policy with Farmers to obtain basic liability coverage while you drive. However, If you are looking for a standard car insurance policy, you must be the owner or co-owner of the vehicle for it to be listed on your insurance policy.
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