Do You Need a Car to Get Auto Insurance?

This sounds like a trick question. After all, why would you want car insurance if you do not have a car? The truth is that there are many people who do not own cars but who still want the protection that car insurance offers. For this special subset of drivers, non-owners car insurance policies are the answer.

Why is there non-owner's auto insurance?

Non-owners auto insurance exists for those who do not actually own cars. For those who do not have family members who own cars – or who do not own cars themselves – non-owners insurance offers a transferable level of coverage that helps to protect them whenever they do get behind the wheel.

Non-owners car insurance coverage cannot be obtained by just anyone; there are specific criteria that must be met in order to obtain non-owners car insurance, and these criteria are ultimately decided by the car insurance company. The basest of these criteria is having a valid driver's license, but the criteria set by insurance companies can diverge from there.

Request a free quote for non-owners car insurance today!

What kind of coverage does non-owner's auto insurance provide?

Non-owners auto insurance provides liability protection in the case that the driver is at fault but is not the owner of a vehicle. The amount and types of coverage can vary. Some plans will cover bodily injury and property damage and stop there. Others will also offer the coverage types of medical payments and uninsured/underinsured motorist. This is typically where this type of non-owners insurance coverage will end. The costs of such a policy can be influenced by a variety of factors, but drivers who are over 25 and who do not have any violations on their record should expect to pay between $200 and $700 annually.

You do not need a car to get car insurance. This is good news for anyone who drives but who does not own a car. Every driver needs protection, and this is the way for those without cars to get it.

Request a free, no obligation quote for non-owners auto insurance today!