Can I get an insurance quote without a car?
You can get a non-owner's car insurance quote without a car as long as you have a license. The average non-owner's car insurance rates in the US are $39.50/mo.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
UPDATED: Oct 4, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 4, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Who says you need to own a car to price the cost of car insurance?
With all of the advanced quoting systems that exist today, all you really need is basic information and a general idea of the kind of car that you want own to really budget for insurance expenses.
Since you can simply pick a year, make, model and sub-model as you are going through the quoting process, it has never been easier to decide which car you should buy before you even go for the first test drive.
Read this guide to car insurance quotes so that you are prepped for the process.
Start comparing car insurance rates now by using our FREE tool!
- While it might seem as if owning a car would be required to get an insurance quote, that is not the case
- Smart consumers who are in the process of buying a vehicle and drivers who frequently drive vehicles that they do not own have a right to comparison shop
- The only way to really get a good look at how much various coverage options will cost at different levels is to request quotes and to review multiple options
Understanding Non-owners Car Insurance
Just because you do not own a vehicle or have intentions of owning a vehicle does not mean you do not need liability protection.
Non-owners car insurance is a specialty insurance plan that is designed for people who do not own a car of their own but who do have a driver license and who do drive from time to time.
People who have their driving privileges but do not own a car are the perfect candidates for a non-owned car insurance plans.
Since non-owners insurance does not work like the standard policy, at first glance it can be very confusing. Some believe it provides full coverage and others believe it covers all vehicles regardless of the situation.
In actuality, a non-owners plan will provide liability protection and in some cases medical coverage when driving an eligible non-owned car.
Read more: Auto-Owners Car Insurance Review
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Reasons to Buy Non-owners Car Insurance
You might not legally be required to carry auto insurance when you have no insurable interest in a vehicle, but failing to carry liability coverage when you drive a borrowed or rented car can land you in hot water.
If you have an accident, you are liable for damages and injuries that you cause because it was your actions that led to the collision.
The owner’s policy might kick and cover you as a permissive user, but even with this permissive use coverage, the carrier might seek subrogation to collect from you the money that the insurer pays out to protect their client.
Read More: Buying Car Insurance for Your New Car
Scenarios Where Non-Owners is the Best Option
Protecting your assets and avoiding wage garnishments are the two biggest reasons why you should buy adequate liability insurance even when you do not own a car.
While these are important reasons that would drive any responsible driver to buy a policy immediately, there are other scenarios that you should know about that create a need for coverage.
Here are some common scenarios where non-owners insurance is required or strongly recommended:
— You Need Cover to Keep Your License
If you have a major infraction for reckless driving or DUI, the state may require you to prove that you have liability insurance at all times.
If you do not have a car but you do not want your license to be suspended, a specialty policy is best.
— You Are In Between Cars
Just because you do not own a car now does not mean that you do not plan on buying one when the right one is listed on the market.
If you want to keep coverage active to get a prior insurance discount, you can buy non-owners insurance after you cancel the insurance on your old car.
— You Are a Frequent Renter
Buying the supplemental liability coverage that is offered by rental car companies can get expensive.
If you rent cars for pleasure or for business on a regular basis, having a non-owners policy will help keep your rental costs manageable without compromising your protection.
— You Are Borrowing a Car From Someone In Your Home
People assume that they are covered when they borrow their family member’s or their roommate’s car.
Unfortunately, if you live in the same home and you are not listed on the policy, the insurer will not likely cover the damage.
This is because permissive users are those who do not live in the home.
What do you need for a car insurance quote?
Getting a non-owners quote is a lot easier than getting a standard quote. You will only need to answer questions about you as a driver and not about a vehicle.
Here is a list of items you will need:
- A valid US driver license
- Dates of tickets
- Dates of accidents
- Limits of liability requested
Read More: How do you get car insurance for a car you don’t own?
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Case Studies: Getting Insurance Quotes Without a Car
Case Study 1: No Car, but Need Liability Protection
Sarah recently moved to a city with excellent public transportation and no longer owns a car. However, she occasionally rents cars or borrows vehicles from friends. Sarah wants to ensure that she has liability protection when driving these vehicles. She decides to explore non-owner’s car insurance and requests insurance quotes without a car.
Sarah provides her driver’s license information and receives quotes from several insurance companies that offer non-owner’s car insurance. Based on the quotes, she selects a policy that fits her needs and budget, providing her with the liability coverage she requires.
Case Study 2: Keeping Coverage Active During Car Shopping
John sold his car and is currently in the process of looking for a new one. He wants to maintain continuous insurance coverage to qualify for a prior insurance discount when he purchases a new vehicle. Even though he doesn’t currently own a car, John decides to get insurance quotes without a specific vehicle.
He provides his driver’s license information and provides the details of the type of car he is interested in buying. John receives quotes from different insurance companies, allowing him to compare the cost of insurance for various car models. This information helps him make an informed decision when choosing his next vehicle.
Case Study 3: Frequent Car Renter Seeking Cost-Effective Coverage
Emily frequently rents cars for both personal and business purposes. She has been relying on the supplemental liability coverage offered by rental car companies, but she finds it expensive. Emily decides to explore alternative options and requests insurance quotes without a car.
She provides her driver’s license information and indicates her frequent rental car usage. Emily receives quotes for non-owner’s car insurance, which offers liability protection when driving rented vehicles. After comparing the quotes, she finds a policy that offers cost-effective coverage for her rental car needs.
Get a Car Insurance Quote for a Vehicle When You Are Car Shopping
If you are about to buy a car, it is best to price the cost of insurance for various cars to see which ones are expensive to insure.
If you do not have an exact vehicle but you have an idea of the model you are interested in, simply ask the agent for quotes on the specific models.
You should closely review the cost of insurance if premiums are what will help you make a car buying decision.
The average non-owner’s car insurance rates in the US are $39.50/mo. If you want to comparison shop for a non-owned policy or for a standard plan, you can start by entering your zip code in our FREE tool below!
Frequently Asked Questions
Can I get an insurance quote without a car?
Yes, you can get a non-owner’s car insurance quote without owning a car. As long as you have a driver’s license, you can obtain non-owner’s car insurance. The average non-owner’s car insurance rates in the US are $39.50 per month.
What is non-owner’s car insurance?
Non-owner’s car insurance is a specialized insurance plan designed for individuals who do not own a car but have a driver’s license and occasionally drive. It provides liability protection and, in some cases, medical coverage when driving an eligible non-owned car.
Why should I consider non-owner’s car insurance?
While you may not be legally required to carry auto insurance if you don’t own a car, driving a borrowed or rented car without liability coverage can have consequences. If you cause an accident, you are liable for damages and injuries, and the owner’s insurance policy might seek subrogation to collect from you. Non-owner’s car insurance protects your assets and helps you avoid wage garnishments.
In what situations is non-owner’s car insurance recommended?
Non-owner’s car insurance is recommended in various scenarios, including:
- When you need coverage to maintain your license after major infractions like reckless driving or DUI.
- If you are between cars and want to keep continuous coverage for prior insurance discounts.
- When you frequently rent cars for personal or business purposes to avoid costly supplemental liability coverage offered by rental car companies.
- When you borrow a car from a family member or roommate who has insurance, as their policy may not cover you if you live in the same household.
What information is required for a non-owner’s car insurance quote?
Getting a non-owner’s car insurance quote is easier than obtaining a standard quote. You will only need to provide information about yourself as a driver and not about a specific vehicle.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.