Does Nationwide Offer Non-Owner Car Insurance?

You can buy non-owner car insurance from Nationwide, and it will likely cost you less than a standard insurance policy.
Written by Thidas Senanayaka
Reviewed by Shannon Martin
Nationwide does offer non-owner car insurance for existing customers. If you do not own a car and tend to rent or borrow cars, non-owner car insurance is a good idea, and Nationwide can give you a policy at a competitive price, especially when compared to traditional
car insurance
Read the rest of this guide to find out the basics about non-owner car insurance, and show it compares to traditional coverage, among other things!
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Should you get non-owner car insurance from Nationwide?

Non-owner car insurance
coverage may be an option for you if you’re a Nationwide customer and:
  • You regularly rent cars or use car-sharing services such as Zipcar, Car2go, or GIG Car Share. 
  • You drive vehicles regularly that belong to other people. 
  • You need to reinstate your license after a suspension or revocation and you need proof of
    liability insurance
    to do so.
  • You want to show you have continuous auto coverage to benefit from discounts from future insurance policies. 
  • You need to file an
    form or
    form despite not owning a car.
  • You’re planning to dispose of your vehicle soon and purchase another soon afterward
Keep in mind, when it comes to Nationwide, you have to be a customer of Nationwide if you want to benefit from non-owner car insurance. 
Not sure what non-owner coverage is? Here’s a quick refresher. Non-owner car insurance is an affordable alternative that’s a good choice for drivers who don’t own a car but need to have insurance anyway for one reason or another. The reason it’s cheaper than traditional policies 
There can be a lot of reasons why someone might want to get non-owner car insurance. Imagine, for example, that you’re driving a rental. Chances are you paid a pretty penny for
rental car insurance
and would have to do so every time you rent a car. Pkus, if that coverage isn’t comprehensive enough, you may end up liable for some steep costs that you’ll have to pay out of pocket, especially if you’re involved in an at-fault accident. 
Medical bills caused by car accidents average about $60,000 while the cost of a vehicle on the road today is about $48,000, on average. If the coverage you’re relying on is only minimum liability, you’ll be responsible for whatever isn’t covered—since you’re not the one insured. 
Non-owner insurance fills this gap, so it’s a good way to protect yourself if this happens. Non-owner car insurance is liability only, so it will pay for the other driver’s injuries and property damage after an at-fault accident. It won’t cover any damage to the car you were driving but that’s what the original owner’s coverage is there for. 
For a rental car situation, this means you could save money by waiving the additional liability insurance from the rental car company. If you have a credit card with travel benefits, it may automatically cover the collision damage waiver (CDW) for your rental car as well—its worth checkin out!
It’s also a great way to avoid a coverage lapse if you’re between vehicles. If you’re looking to get a vehicle in the future, showing continuous coverage, even without a car to insure, can help you get a continuous insurance discount from whatever provider you go with. 

Average cost of a Nationwide non-owner auto insurance policy vs. traditional coverage

The average cost of a non-owner car insurance policy from Nationwide is $675 per year. Compared to that, the cost of a standard minimum coverage plan for vehicle insurance is $1,866, though this will be more expensive annually for full coverage with both
Depending on your age, record, and type of coverage, the rates may differ. For example, a 23-year old man may pay about $2,235 annually while older drivers can expect to pay closer to $1,600 a year. 
As you can tell, Nationwide’s non-owner car insurance is a lot less costly than even minimum coverage plans at Nationwide, which are already about $450 higher than the national rate. Other things can also affect your rates though. We’ve already gone over age, but a big factor is a driving record—at Nationwide, a single speeding violation can grow your premium by $400. Where you live will play a factor as well. 

What does non-owner car insurance cover?

Basic non-owner car insurance policies will cover the minimum coverage amounts outlined by your state, along with some optional add-ons. This includes
bodily injury liability
property damage liability
. Depending on your state’s requirement, coverage for accidents caused by
uninsured or underinsured
medical payments
, and/or
personal injury protection (PIP)
may be mandatory or optional coverages for your policy. 
However, non-owner auto insurance will NOT cover damage to the vehicle itself. This actually makes sense, since if you’re driving a friend’s car, their policy will cover damage to the vehicle in question as long as they have comprehensive and collision coverage. 
MORE: Cheap car insurance for low-mileage drivers

What other insurance companies offer non-owner policies?

A lot of car insurance companies have non-owner policies—you can expect most major insurers to offer them. Nationwide will have policies on the more expensive side, but the following providers also give you options:
"Without a doubt, using
was a seamless process!  The staff were attentive to my every question. My new Nationwide policy premium saves me $200 a month. Let them save you money too!” —Kenny P. 
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The answer depends—like a lot of things. You need to have an insurable interest to insure a vehicle—meaning you need a level of ownership. If you want a standard car insurance policy, then no, you cannot insure a car that isn’t in your name. If you rent or borrow cars and want to protect your potential liability, yes, you can have a non-owner insurance policy.
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