Non-owners insurance is coverage which gives a motorist Liability protection when they are at-fault in an accident but do not own a vehicle. Non-owners policies typically include Bodily Injury (BI) and Property Damage (PD) Liability but may also include Medical Payments (MedPay), and Uninsured / Underinsured Motorist (UM/UIM) coverages.

Non owner policies generally do not include Comprehensive, Collision, towing reimbursement, or rental reimbursement coverage since a person obtaining a non-owners policy does not have a specific car they are putting coverage on.

If you do not own a car nor is there a vehicle owned by anyone in your household that you could use to obtain insurance on and want to get a non-owners policy. A non-owners policy of a driver would normally be secondary to the insurance put on the vehicle by the owner. That is one reason why if you could be placed on a household auto insurance policy or the policy of someone else since you frequently drive their vehicle than you should do so instead of obtaining a non-owner's policy.

The price of a non-owners policy will vary depending on the state, any violations, the requirement financial responsibility filing or not and the age of the driver. A non-owners policy for a driver over the age 25 with no violations typically costs around $200 to $700 a year, depending on the state and insurer. A non-owners policy basically is the cost of BI and PD Liability and any of the UM requirements for the driver in their particular state.

So if you are looking to buy a non owners policy the cost will depend upon the rating guidelines of the insurance company in which you obtain a policy from. Rating factors such as your driving record will be looked at. This type of policy is cheaper than an owner’s policy since you do not have a specific motor vehicle to cover. Also you are not as much of a risk as a car owner to an insurance carrier since you will not normally drive as much as a person who has their own vehicle at their disposal to use whenever they please.

To purchase a non-owners policy you first will need to find an auto insurance carrier that offers this type of policy. Then you will need to meet the underwriting criteria of that insurance provider. CarInsurance.com now offers this type of coverage in most states.

Since insurance companies’ guidelines and underwriting criteria can differ, you will need to find out what the qualifications are for obtaining a non-owners policy. The criteria many of our partners and affiliates use include having a valid driver's license and of course not owning a vehicle.

If we can offer this type of policy in your state then on the vehicle screen of our quoting system it will have the option of choosing "Check this box if you do not own a vehicle and would like to purchase a non-owners policy."Our sales center can also assist you in these states, if you can call at 1-800-964-4849.

To see if a non-owners policy is available through our car insurance company affiliates in your area, click here for your online quote from an auto insurance specialist.