Does Progressive Offer Non-Owner Car Insurance?
Purchasing non-owner car insurance from Progressive will likely cost less than purchasing a more traditional car insurance policy.
Written by Mary Cahill
Reviewed by Brenna Swanston
Yes, Progressive offers non-owner car insurance. Individuals who drive frequently but don’t own their own car, or who need to maintain SR-22 insurance to have their driver’s license reinstated, may find that non-owner car insurance from
Progressive
is an affordable option.Finding a
car insurance
policy that suits your needs and fits into your budget doesn’t have to be stressful. Keep reading to learn more about how to get non-owner car insurance
coverage from Progressive. Should you get non-owner car insurance from Progressive?
If one or more of the following scenarios applies to your situation, consider looking into non-owner car insurance quotes from Progressive:
- You regularly drive a vehicle that’s registered in someone else’s name.
- You frequently drive rental cars or use a car-sharing service like Zipcar.
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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+ driversWhen you drive a car that belongs to someone else—such as a rental or one you borrowed from someone you know—the vehicle is covered by whatever insurance the owner purchased. Rental cars are protected by
rental car insurance
, while a personal vehicle has at least liability insurance. Suppose you’re driving a minimally insured vehicle that isn’t yours, and you cause an accident resulting in expensive damages. Considering that the average vehicle on the road these days is worth around $48,000, and an ambulance ride to the ER typically costs $1,200—these bills can pile up quickly.
If you don’t have any auto insurance and you’re at fault for the crash, you could find yourself responsible for compensating the other party’s post-collision costs with your own money. Non-owner car insurance is an affordable way to keep you from having to pay bills out of pocket because it provides additional coverage to the vehicle owner’s existing policy.
Another good reason to purchase non-owner car insurance is if you’re worried about having a lapse in coverage. Often, when someone has sold their vehicle and has yet to buy a new one, they think that car insurance isn’t necessary, but if you have plans to get another car on the road soon after, you’re better off maintaining coverage. Drivers who’ve never had a lapse in coverage are good candidates for an
insurance discount
. High-risk drivers
who are required to purchase and maintain SR-22 insurance after conviction of a major driving violation like a DUI or reckless driving can buy a non-owner car insurance policy as a step toward getting their license reinstated. Just keep in mind that high-risk drivers pay more for non-owner policies than those with clean records
. The average cost of a Progressive non-owner auto insurance policy vs. traditional coverage
The average cost of non-owner car insurance from Progressive is about $723 per year—but this can vary significantly depending on the state where you live. In certain states, like
Maine
, a non-owner annual policy could cost you as little as $199. These figures are much cheaper than Progressive’s average premiums for standard auto coverage. Typically, minimum liability insurance from Progressive costs drivers around $1,033 per year. If you want to add
collision
and comprehensive coverage
—which is known as full coverage, Progressive charges around $1,390 per year. Remember, the price of your insurance policy is determined by more than the state you call home. Insurers also factor in your ZIP code, marital status, age, and driving record.
What does non-owner car insurance cover?
Non-owner car insurance covers
bodily injury liability coverage
and property damage liability coverage
the same way a regular liability policy does. The minimum limits for a non-owner policy are based on what’s legally required in your state. That means, if your state requires drivers to have
personal injury protection (PIP)
, medical payments coverage
, or uninsured motorist coverage (UIM)
as part of minimum liability coverage, your non-owner insurance should include those protections also. Something important to remember is that non-owner insurance won’t reimburse you for damage to the vehicle you’re driving. Collision and comprehensive add-ons are not available if you purchase a non-owner policy.
MORE: Cheap car insurance for low-mileage drivers
What other insurance companies offer non-owner policies?
It’s common for major car insurance companies to offer non-owner insurance to drivers. Progressive offers competitive coverage rates across the board, but you may want to browse non-owner rates with the following insurers to make sure you’re getting the best price.
If you need SR-22 non-owner insurance, be sure to specify that during the shopping process. While most insurers offer non-owner coverage, not all of them work with SR-22s. You may want to focus on getting quotes from providers who have a reputation for insuring high-risk drivers, like State Farm.
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FAQ
Can I insure a car not in my name with Progressive?
It’s a little tricky. You would need to have a substantiated case of what’s known as insurable interest in the vehicle you want to insure. This means you’d need to show that you would suffer a personal financial loss if the car you’re looking to insure was totaled. In most cases, it may be easier to purchase a non-owner insurance policy if you don’t own a vehicle.
