Was getting this non owners car insurance policy really a good idea?

I live in Seattle and rent cars frequently. Rather than getting the rental car coverage, I bought a non owners policy with Progressive. It meets all the state liability requirements, but now I have buyer's remorse. Did I get enough coverage?

Answer provided by
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Shannon Martin
Answered on Apr 29, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
“Deciding between a non owners car insurance policy and the rental car insurance is a tough choice. Since you already purchased the non owners policy, you may just want to take a closer look at the limits.
One mistake people make with non owners policies is to assume that since they don’t own the car, they don’t need a lot of coverage. That is incorrect! You should carry as much liability as you can afford on this type of policy as well. Washington has a state-minimum coverage of 25/50/25.
The recommended limits for most people are 100/300/50. This represents $100,000 per person and $300,000 per accident toward bodily injury payments and $50,000 per accident for property damage payments.
Also, make sure the non owners policy has coverage for comprehensive insurance and collision insurance.
If you have limits that you are comfortable with and are still saving money, you made the right choice! “
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