Don’t own a car? You might think you don’t need auto insurance — but if you ever rent cars, borrow vehicles, or use car-sharing services like Zipcar or Turo, you could still be at risk.
That’s where Non-Owner Auto Insurance comes in — providing essential protection for drivers who don’t own a vehicle but still get behind the wheel from time to time.
What Is Non-Owner Auto Insurance?
Non-Owner Car Insurance is a special type of policy that provides liability coverage for drivers who don’t own a vehicle but occasionally operate cars they don’t own. It protects you if you’re responsible for:
✔ Bodily injury to others
✔ Property damage in an accident
✔ Legal defense costs if you’re sued
It’s important to note: This coverage does not pay for damage to the vehicle you’re driving — for that, rental companies often offer collision damage waivers.
Who Needs Non-Owner Auto Insurance?
You should consider Non-Owner Auto Insurance coverage if:
✅ You frequently borrow vehicles from friends or family
✅ You rent cars for personal or business use
✅ You use car-sharing services like Zipcar or Turo
✅ You want to maintain continuous auto insurance coverage (which can help you avoid higher rates in the future)
✅ You don’t currently own a car but plan to in the future — this policy helps keep your insurance history active
Benefits of Non-Owner Auto Insurance
Non-Owner Car Insurance offers several advantages, including:
💡 Liability Protection: Coverage for injuries or property damage you cause while driving a vehicle you don’t own
💡 Legal Coverage: Pays for your legal defense if you’re sued after an accident
💡 Continuous Insurance History: Maintaining coverage helps you qualify for better rates down the road
💡 Peace of Mind: Protection when borrowing or renting vehicles, so you’re not left exposed
Does Non-Owner Auto Insurance Cover Rental Cars?
Not entirely — but it helps.
With Non-Owner Auto Insurance, you’re covered for liability when driving a rental car. However, this does not cover damage to the rented vehicle itself. To protect the rental car, you should:
✔ Purchase the rental company’s collision damage waiver
✔ Check with your credit card provider — some offer rental car protection as a perk
Why You Shouldn’t Drive Without Insurance — Even If You Don’t Own a Car
Driving without insurance — even in a borrowed or rented vehicle — can lead to:
⚠️ Serious legal and financial consequences
⚠️ Expensive lawsuits if you’re at fault in an accident
⚠️ Gaps in your insurance history, which can increase premiums later
Having a Non-Owner Car Insurance policy gives you the confidence and protection to drive without the worry.
Get Non-Owner Auto Insurance Quotes with Risman Insurance
Even if you don’t own a car, you still need to protect yourself every time you get behind the wheel. Our team at Risman Insurance Agencies makes it easy to:
✔ Understand your coverage options
✔ Get competitive Non-Owner Auto Insurance quotes
✔ Stay protected whether you borrow, rent, or use a car-sharing service
Ready to protect yourself? Contact Us Today! — we’ll walk you through the process and make sure you’re covered, no matter whose car you’re driving.
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