Does Travelers Offer Non-Owner Car Insurance?

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Travelers is one of the numerous car insurance providers that offer non-owner car insurance policies. This coverage can be ideal for someone who frequently rents vehicles or drives another person’s car but doesn’t own a vehicle themselves.
If you’re a regular driver but don’t have a set of wheels you call your own, or if you need to file an SR-22 to have your driver’s license reinstated, it might be worth considering a non-owner car insurance policy from Travelers. In many cases, doing so can also give you the minimum liability coverage required in your state at a lower rate than a standard
car insurance
Here’s a look at non-owner auto insurance and what it covers.

Should you get non-owner car insurance from Travelers?

Non-owner car insurance is an ideal option for those who still drive regularly but don’t own a car of their own.
Non-owner car insurance
from a provider like Travelers is worth considering if:
  • You regularly drive someone else’s vehicle
  • You routinely rent vehicles or use car-sharing services like Turo or Zipcar
  • You need to find new insurance to have your driver’s license instated
  • You have to file
    an SR-22
    FR-44 certificate
    but don’t own a car
  • You temporarily don’t own a car but want to avoid an
    insurance lapse
    and the rate hikes that could follow
  • You drive a company-owned vehicle for personal use (the employer usually pays for insurance coverage while it is being used during company time))
  • You run errands for someone who doesn’t drive using their vehicle
Non-owner car insurance tends to be less expensive since it mainly consists of
liability insurance
and doesn’t need to extend physical damage protection to an actual vehicle
While there are exceptions to this rule, a traditional auto insurance policy usually follows the car rather than the driver, so if you were borrowing someone else’s vehicle, their own insurance should presumably cover the car itself—and it’s important to remember that your own liability coverage would only kick in once theirs is exhausted
Since whose insurance covers what may vary under different scenarios, it’s a good idea to make sure you and the vehicle owner have an understanding of each other’s coverage details before you borrow the vehicle.
Even for non-owners, non-owner car insurance is not always the best option for all scenarios. If you live with the owner of the car you’re driving, for example, it's usually simpler and more cost-effective to be added as an
additional driver on their car insurance policy
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Average cost of a Travelers non-owner auto insurance policy vs. traditional coverage

Average costs for a non-owner car insurance policy generally range between $200 and $500 per year. Travelers insurance costs fall within that range at an average cost of about $410 per year
That’s significantly less expensive than a typical car insurance policy. The average cost of minimum car insurance is about $700 per year, while a full coverage insurance policy that includes
comprehensive insurance
costs about $1,900 per year. For Travelers, those annual averages tend to be about $690 and $2,400 per year, respectively.
Of course, no matter what kind of car insurance you’re covered by, various factors will determine your rates, such as your driving record, accident history, age, location, and any applicable discounts you could qualify for. 
For example, suppose you were seeking a non-owner car insurance policy with an SR-22 requirement. In that case, you’d likely see a much higher rate than if you opted for a traditional non-owner policy with a clean driving record.
MORE: Cheap car insurance for low-mileage drivers

What does non-owner car insurance cover?

While a standard car insurance policy usually follows the vehicle, a non-owner insurance policy provides coverage for the driver, no matter what vehicle they’re driving or who owns it. Non-owner car insurance will typically consist of the minimum liability coverage required in your state, including
bodily injury liability coverage
property damage liability coverage
. It might also include:
Depending on your level of protection, a non-owner car insurance policy could cover damages and injuries resulting from the following:
  • Liability coverage from an at-fault accident 
  • You and your passenger's medical exspenses from an at-fault accident 
  • You and your passenger's medical exspenses from an accident caused by drivers who didn’t have sufficient insurance
So by most standards, you can enjoy most of the major types of insurance coverage.
However, notice that collision and comprehensive coverage aren’t mentioned here. That’s because your non-owner car insurance policy won’t cover damages to the vehicle you’re driving—the owner’s own policy would need to do that.
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What other insurance companies offer non-owner policies?

Most major car insurance providers offer non-owner auto insurance policies.
Travelers is generally in the middle of the pack regarding coverage costs, but it’s always in your best interest to shop around and compare quotes to see what rates are available to you. The following providers also offer non-owner car insurance coverage options:
However, commonly available as they are, not all providers are willing to provide non-owner coverage for drivers who need SR-22s. While this doesn’t mean it will be impossible to find insurance, it may take a little extra legwork to find the right policy for you.
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Sometimes yes, sometimes no. Some states require that the name on an insurance policy and a vehicle registration match. Insuring a car not in your name could also complicate the claims process for a variety of reasons. 
A couple of alternative options would include being added as an additional driver to the existing car insurance policy or get added to the vehicle’s registration.
By Melanie Krieps Mergen
Expert Insurance Writer
Reviewed by Shannon Martin.
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