You can get a non-owners policy if you do not own a car or otherwise have a car that you use and could be placed on the car insurance policy of. A non-owner's policy (also known as an operator policy) is usually written by an insurance company when a person needs coverage for his or her personal operation of a vehicle not owned by him or a family member. This type of coverage could thus help you build up your insurance history so that when you do own a car your rates should not be as high.

Non-owners insurance is coverage to give a motorist liability protection for when they are at fault in an accident but do not own a vehicle. Non owners and operator policies typically include Liability, Medical Payments, and Uninsured/Underinsured Motorist coverages.

Non-owners policies generally do not include Comprehensive, Collision, towing reimbursement, or rental reimbursement coverage. A non-owners policy of a driver would normally be secondary to the insurance put on the vehicle by the owner. The car owner's insurance policy would be primary. So a non-owners policy's Liability coverages would be used if the primary Liability limits have been exceeded.

If you do not own a car nor is there a vehicle owned by anyone in your household and want to get 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 offers this type of coverage in most states. To see if a non-owners policy is available through our car insurance company affiliates in your area, follow this link for quotes. If we can offer this type of policy in your state then on the vehicle screen 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."