To get these quotes for non-owner car insurance, we used the sample profile of a 30-year-old single female living in Phoenix with a clean driving record. These quotes are for Arizona’s minimum required coverage, which includes:
- $25,000 for bodily injury liability coverage per person
- $50,000 for bodily injury liability coverage for two or more people
- $15,000 for property damage liability coverage per accident
Non-Owner SR-22 Insurance
If you get pulled over for a serious violation while driving someone else’s car, like a DUI or DWI, or get a suspended license, you might be required to get non-owner SR-22 insurance.
Non-owner SR-22 insurance is not an insurance policy. “SR-22” is a certificate your insurer provides that proves you carry the minimum amount of car insurance that’s legally required in your state. If you’re required to get non-owner SR-22 insurance, you must purchase a non-owner car insurance policy and have the insurance provider file an SR-22 with your state’s Department of Motor Vehicles (DMV).
Here are some of the car insurance companies that offer non-owner SR-22 insurance:
Factors Influencing Cost
Non-owner car insurance costs are different for every driver. Here are some factors that can impact the cost of your non-owner car insurance policy, many of which are similar to the factors that affect policies for cars you own.
Your state, city, and ZIP code can all impact the cost of your insurance policy. If you live in an area with a high crime rate, high accident rate, or high number of uninsured drivers, it’s likely that your premium will be more expensive.
Car insurance companies charge different rates for similar coverage types and coverage limits. Getting rate quotes from several companies will likely help you find the most affordable premium for your situation.
Non-owner car insurance only provides liability coverage. However, the coverage limits you choose will impact the cost of your policy. Choosing the minimum amount of coverage required in your state will result in the lowest premium, and vice versa.
When you apply for a non-owner car insurance policy, the insurance company will review your driving record. If you have a history of accidents, traffic violations, or serious infractions, you can expect to pay a higher rate.
In most states, car insurance companies use credit-based insurance scores, which means your credit score will affect your premium. In general, drivers with an excellent credit history pay the lowest rates. Drivers with a poor credit history often pay much higher rates for car insurance.
If you have recent insurance claims on your record, your insurance company will probably charge a higher car insurance rate. If you have a clean claim history, you could get a lower premium and possibly qualify for a claim-free discount.
Top Non-Owner Car Insurance Companies
Not all car insurance companies sell non-owner insurance. These are some of the top insurance companies that offer this type of coverage.
SR-22s are a type of Certificate of Financial Responsibility (CFR). In some states, a CFR is called an FR-44 and usually requires higher coverage limits than SR-22s.
Progressive sells non-owner car insurance and non-owner SR-22 insurance. The company also has a wide selection of discounts, including having continuous insurance, owning a home, enrolling in autopay, and signing up for paperless policy statements.
Allstate has the cheapest non-owner car insurance, based on our sample quotes. To lower your insurance premium, you can take advantage of Allstate’s discounts, which include insuring a new car, purchasing a policy early, paying your premium on time, and paying your premium in full.
State Farm is the largest insurance underwriter in the U.S. You can purchase a non-owner insurance policy and order an SR-22 from State Farm. Also, the company offers a variety of discounts, which vary based on your location.
Geico sells non-owner insurance and offers SR-22s to high-risk drivers. The company stands out for its unique savings opportunities, with discounts for military personnel, federal employees, affinity group members, and employees of certain organizations.
How To Save Money on Non-Owner Car Insurance
The cost of non-owner car insurance depends on numerous criteria. Consider these money-saving strategies to reduce your insurance costs.
- Look for discounts: Many insurance companies that offer non-owner car insurance policies provide discounts. The discounts available and savings potential will vary depending on the insurer.
- Improve your credit score: Drivers with good credit scores usually pay lower car insurance rates than those with lower scores. Improving your credit score can help reduce your premium.
- Shop around: Research a few insurance companies that offer non-owner insurance in your state. Compare providers based on discounts, customer reviews, third-party ratings, and online/mobile policy management tools.
How to Choose the Best Non-Owner Car Insurance
To find the best non-owner insurance policy, there are a few things you should consider.
- Think about your coverage needs: Non-owner car insurance only provides personal liability coverage. However, choosing higher coverage limits than what’s required will give you more financial protection in the event of an accident.
- Read the fine print of your policy: Non-owner car insurance and standard car insurance are similar in some ways, but they are not the same. It’s important to understand what your non-owner policy covers and does not cover, and what your coverage limits are.
- Get multiple quotes: Non-owner car insurance premiums will differ based on your insurance company. Get quotes from several insurance providers to see which insurer can offer you the lowest rate.
What Is Non-Owner Car Insurance?
Non-owner car insurance is a policy for drivers who don’t own a vehicle but occasionally borrow other people’s cars. It only provides liability insurance, which covers your financial responsibilities after an at-fault accident. Non-owner car insurance doesn’t cover vehicle damage or your medical expenses if you get injured.
Where Can I Get Non-Owner Car Insurance?
Many car insurance companies sell non-owner insurance policies. Progressive, Geico, Allstate, State Farm, and Liberty Mutual are some of the insurers that offer this type of insurance. However, these providers may not underwrite non-owner car insurance policies in all states.
Can You Get SR-22 Insurance Without a Car?
Yes, you can get SR-22 insurance without a car. In this case, you must purchase a non-owner car insurance policy and have your insurance company file an SR-22.