Does GEICO Offer Non-Owner Car Insurance?

GEICO is one of the best companies for non-owner car insurance, which offers cheap coverage for drivers who don’t own the vehicles they drive.
Written by R.E. Fulton
Reviewed by Kathleen Flear
Updated on Jan 09, 2023
Yes, GEICO sells non-owner car insurance. If you don’t own a car but frequently rent or borrow one from someone outside your household, or if you need to file an SR-22 or FR-44, you can get a non-owner insurance policy from
. This form of
cheap car insurance
offers great financial protection for drivers who don’t own the cars they drive. 
Compare insurance quotes from 50+ carriers with Jerry in under 45 seconds
rating primary
4.7/5 App Store Rating. Trusted by 2+ Million Customers.

Should you get non-owner car insurance from GEICO?

You should look into non-owner auto insurance from GEICO (or another insurer) if: 
  • You frequently borrow a family member or friend’s car (not a household member’s)
  • You frequently use rental cars or car-sharing services like Zipcar
  • You recently sold or gifted your car but plan to get another one within a year
  • You want to get your suspended license reinstated
  • You don’t own a car but need to file an
For drivers who borrow cars or rent cars on a regular basis, non-owner auto insurance coverage provides additional coverage on top of whatever’s already on the vehicle. When you drive a car you don’t own, it should be covered by the owner’s insurance, the
rental car insurance
, or even your credit card’s rental insurance—but depending on how much coverage that is, you could be underinsured
in the event of an accident
For drivers who recently got rid of a car, a non-owner auto insurance policy is an affordable way to avoid a
lapse in coverage
. If you’re not planning to replace your car, you might not be worried about future insurance rates, but if you’re only temporarily without a car, the cost of non-owner insurance is usually worth it to avoid a rate hike when you get a new car. 
And for high-risk drivers who need to get their
driver’s license reinstated
, non-owner car insurance is often the cheapest form of SR-22 insurance. While not all car insurance companies will work with SR-22s, GEICO will—and your car insurance costs might not be much higher than those for a car owner with a
clean driving record
full coverage

Average cost of non-owner GEICO insurance vs. traditional coverage

The average cost of a non-owner car insurance policy from GEICO is $311 per year. By comparison, the average cost of a
basic liability auto policy
from GEICO is closer to $800 per year, while car owners with
collision coverage
comprehensive insurance
on top of their liability policy pay an average of $1,175 or more per year. 
In other words, it’s much cheaper to get non-owner car insurance from GEICO than other types of insurance. Of course, the exact cost of any auto insurance policy will depend on a ton of factors, from your
driving history
to your location. For example, non-owner car insurance is typically more expensive in
than in

What does non-owner car insurance cover?

The most basic non-owner car insurance policies from GEICO include liability insurance—including
bodily injury liability
property damage liability coverage
—to supplement the car owner or rental company’s coverage. For extra protection, though, you can add
uninsured motorist coverage
personal injury protection (PIP)
medical payments coverage
, and
other coverage options

What other auto insurance companies offer non-owner policies?

GEICO car insurance is one of the cheapest options for non-owner car insurance, but it’s not the only one. Most other insurance providers sell non-owner car insurance, and depending on your profile, you might find better non-owner car insurance rates from a different company. 
Some of the best companies for non-owner auto insurance include: 

How to get a non-owner car insurance policy from GEICO

Getting non-owner car insurance coverage works pretty much the same way as getting regular car insurance. 
Start by getting multiple
car insurance quotes
to find the best rate and coverage options. Even if you’re pretty sure GEICO will give you the best rate, it’s worth comparing a few other options to be sure. You can call an insurance agent directly or use
an online comparison tool
for free quotes. 
Once you have the quote you need, sign-up is pretty easy. You’ll need to provide documentation, including your driver’s license number, and be prepared to pay your bill right away to lock in the coverage you need! 
“You must get this app! It’s my first time getting my own insurance, so I called a few companies myself. Their rates priced me around $600/month. I used
and my rates went down to $250/month. I’m so happy!” —Melissa C.
Compare auto insurance policies
No spam or unwanted phone calls · No long forms · No fees, ever


Compare Car Insurance Quotes For Free
Jerry automatically shops for your insurance before every renewal. Members save $872/year.
rating primary
Rating on App Store
Start saving money!
12,000+ Reviews
Trusted by 3.5M car owners like you

You might also be interested

Easiest way to compare and buy car insurance

No long forms
No spam or unwanted phone calls
Quotes from top insurance companies
Find insurance savings — it's 100% free