Non-Owner Policies
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Non-Owner Policies
Ideal for:
- Drivers between vehicles
- Rideshare drivers
- License reinstatement
Non-Owner Car Insurance – Affordable Coverage When You Don’t Own a Vehicle
Do you need car insurance but don’t own a vehicle? Whether you occasionally drive a rental or borrow a friend’s car, Non-Owner Car Insurance from Drive Guard Insurance provides the liability coverage you need. Stay protected, meet legal requirements, and keep your driving record clean—without the cost of insuring a car you don’t own.
What is Non-Owner Car Insurance?
What Does It Cover?
Bodily Injury Liability – Covers medical expenses if you cause an accident.
Property Damage Liability – Pays for damages to another person’s vehicle or property.
SR-22 or FR-44 Filing (if required) – Helps meet state-mandated insurance requirements after a violation.
What It Doesn’t Cover:
This policy does not provide coverage for the car you’re driving or personal injuries. It only protects other drivers and their property in case of an accident.
Who Needs Non-Owner Car Insurance?
Frequent Car Renters – If you often rent vehicles, a non-owner policy can save you money on rental insurance.
Drivers Who Borrow Cars Occasionally – Provides coverage when driving a friend’s or relative’s car.
Individuals with an SR-22 or FR-44 Requirement – Required for some drivers to reinstate their license after a DUI or major violation.
Commuters Using Car-Sharing Services – Ensures you’re covered when using services like Zipcar or Turo.
How Much Does Non-Owner Insurance Cost?
Non-owner car insurance is typically more affordable than standard auto insurance since it covers liability only and doesn’t insure a specific vehicle. Rates depend on:
Your driving history
Your location
Coverage limits required in your state
Whether an SR-22 or FR-44 filing is needed
At Drive Guard Insurance, we compare top insurance providers to find you the best rates for non-owner coverage.
When is Non-Owner Car Insurance Not Needed?
You do not need a non-owner policy if:
You own a vehicle – A standard auto policy is required instead.
You live with someone whose car you drive regularly – You should be listed on their policy.
You only drive company-owned vehicles – Your employer’s insurance typically covers you.
How to Get Non-Owner Insurance with Drive Guard Insurance
Get a Free Quote – Call us or request a quote online.
Choose a Policy – Select the right coverage for your needs.
Receive Your Proof of Insurance – We provide instant proof of coverage.
Stay Covered – Enjoy worry-free driving whenever you need a car.
Why Choose Drive Guard Insurance?
Affordable, Low-Cost Non-Owner Policies
SR-22 & FR-44 Filing Assistance
Fast, Hassle-Free Coverage
Expert Support from Licensed Agents
Get Non-Owner Car Insurance Today!
Even if you don’t own a vehicle, you still need protection when you drive. Drive Guard Insurance makes it easy to get affordable, reliable non-owner coverage that fits your needs.