Does USAA Offer Non-Owner Car Insurance?

USAA offers one of the cheapest non-owner car insurance policies around—but you have to be an active or retired veteran to take advantage of USAA’s rates.
Written by Matt Nightingale
Reviewed by Hillary Kobayashi
You can purchase non-owner car insurance from USAA. If you often drive vehicles that you do not own, or if you require an SR-22 in order to get your license back, USAA’s non-owner car insurance policy is a great option for
cheap car insurance
In this article, we’ll cover everything you need to know about USAA’s non-owner car insurance policy, including annual costs, types of coverage, and how to know if non-owner car insurance is right for you.

Should you get non-owner car insurance from USAA?

There are a few situations in which
non-owner car insurance
coverage from USAA might be the right choice for you, such as:
  • You often drive a vehicle that doesn’t belong to you 
  • You frequently use rental cars or car-sharing programs, like Zipcar or Car2Go 
  • You need to prove financial responsibility in order to have your license reinstated
  • You are required to file an
    FR-44 certificate
    but do not own a vehicle
  • You plan to sell your old car and buy a new one shortly after
  • You are temporarily without a car but wish to avoid an
    insurance lapse
USAA’s non-owner insurance is an affordable alternative to regular car insurance. This type of policy satisfies state financial responsibility requirements and gives you added coverage when you borrow or rent a vehicle.
If you borrow a car from your friend, that vehicle is likely insured by your friend’s car insurance policy. Or, if you rent a car, that vehicle will be covered by
rental car insurance
. Non-owner’s insurance gives you added security on top of these coverages.
For example, your friend may have $25,000 in
bodily injury liability coverage
, but if you are in an accident and the damages exceed that $25,000 limit, you could be on the hook for the difference. Your non-owner insurance policy will pay off some or all of the difference. The same goes for your rental car.
These days, the average cost of medical bills resulting from a car accident is $60,000, and the cost of a motor vehicle averages around $48,000, so having coverage that exceeds the state minimum requirements is a good idea
You might also want to get non-owner car insurance to avoid any lapses in your insurance coverage. Having continuous auto coverage can help you take advantage of
car insurance discounts
later on.
And, if you are a
high-risk driver
looking to have your license reinstated, a non-owner policy might be just what you need to be able to prove that you are properly insured.

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

Non-owner car insurance from USAA is very affordable with an annual cost of about $252 a year. But, there’s a catch—USAA insurance is only available to active and retired veterans who have an honorable discharge, pre-commissioned officers, and the spouses and children of USAA members.
It’s an exclusive club, but if you can get in, it is worth it. Full-coverage car insurance with
collision protection
only costs about $885 a year with USAA. That’s $703 cheaper than the $1,588 national average cost of car insurance. Meanwhile, the average cost of minimum liability coverage from USAA is just $405. 
Non-owner auto insurance is far cheaper than full-coverage insurance and even minimum liability coverage. How much you will pay for your particular policy will depend on several factors, such as your ZIP code, your driving history, gender, marital status, and more. 
For example, drivers in
New Hampshire
will generally pay less for non-owner insurance than drivers in
, thanks to the Lone Star State’s high accident rate and susceptibility to natural disasters.

What does non-owner car insurance cover?

Non-owner car insurance policies typically cover liability coverage for bodily injury and
property damage
. The minimum amount of liability coverage is set by your state. 
Some states also require motorists to carry
personal injury protection (PIP)
uninsured motorist coverage (UIM)
, or
medical payments coverage
, and these coverages can be added to your non-owners policy as well.
The only coverages you won’t be able to access are comprehensive insurance—which covers damage from things like hail, falling objects, vandalism, and theft—and collision coverage—which pays for damage from a collision to the car that you are driving.  

What other insurance companies offer non-owner policies?

Non-owner policies are a common insurance product and you can get such a policy from most major providers, including:
Unfortunately, not all insurance companies will file an SR-22 for you, so if you’re required to file an SR-22 you might have to call around until you find a provider who is willing to work with you.
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You can insure a car that does not belong to you, but it’s not easy. Insurance companies usually require you to prove that you have what is called “insurable interest”—that is, you need to prove that you would suffer a personal loss if the car in question was totaled. That is difficult to prove if you are not the owner of the car, but if you can prove insurable interest, you may be able to insure a car that is not yours.
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