PriceProtect™
DriveShield™
GarageGuard™
Services
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Renters Insurance
Loans
Car Loan
Compare Car Loans with Jerry
Jerry's Expert Advice
Car Loan Guides
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
How does non-owner car insurance work?
What do I need to know about non-owner car insurance? I'm interested in purchasing this type of insurance to borrow my roommate's car from time to time, but her insurance company says I need to get my own non-owner policy.
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“A
non-owner car insurance
policy works as secondary insurance on top of the primary driver’s policy.Interestingly, you should be covered by your roommate’s car insurance if you drive it just on occasion, typically once a month or less.
However, if her insurer is stating that you need to have a non-owner policy, it’s probably for a good reason.
With this policy, you’ll get additional
liability coverage
on top of the primary person’s policy. If the primary insurance doesn’t cover you, this non-owner insurance policy will provide liability coverage up to the amounts you specify.”View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
Join 4M+ members in lowering their car insurance
You Might Also Be Interested
Read Advice From Car Experts At Jerry
What Others Are Asking
Browse More Content
Insurance in Your State
Easiest way to compare and buy car insurance
No long forms
No spam or unwanted phone calls
Quotes from top insurance companies
