Non owner insurance coverage

You can buy non-owner insurance coverage alone or with an SR22 or FR44 endorsement. Call today for a free quote!

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Non owner insurance coverage

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Non owner insurance coverage is liability insurance for people who don’t own a vehicle. You can buy it with or without an SR22 or FR44 filing. Non owner insurance allows you to reinstate your driver’s license, and provides minimum liability coverage to drive a non-owned vehicle on an occasional basis. Non owner insurance does not insure a vehicle, therefore it is less expensive than auto insurance. There are, however, coverage limitations and vehicle restrictions.

Non owner insurance coverage is liability-only insurance the state requires people to carry in certain circumstances. Non-owner insurance is secondary insurance on any non-owned vehicle you drive on an occasional basis.

How does non owner insurance coverage work?

SR22 and FR44 non owner insurance covers specific bodily injury and property damage liability claims. It is secondary insurance, meaning that if you cause an accident, the vehicle owner’s insurance pays claims first. Your policy comes into effect only if claims exceed the vehicle owner’s coverage limits. If you’re at fault in an accident, secondary insurance only covers personal injury or property damage incurred by the other parties involved.

Why do I need insurance if I don’t own a car?

SR22 / FR44 non owner insurance is a proof of financial responsibility certificate. If the state requires you to carry high-risk insurance, maintaining it without lapse reduces your chances of being classified as a high-risk driver after you complete your obligation.

Even if you don’t need SR22 or FR44 insurance, maintaining secondary insurance indicates financial responsibility on your part. Carrying non-owner insurance also serves as proof of continuous coverage, which is a good way to maintain or regain preferred driver status with insurance companies.

Coverage limitations

It’s essential to know about non-owner insurance coverage limitations.

  • Neither comprehensive nor collision coverage are available.
  • You cannot claim towing charges.
  • Coverage does not extend to rental or commercial vehicles, vehicles in your household, or vehicles you borrow frequently.
  • Coverage does not extend to any employment-related vehicle.
  • Teen drivers in your household cannot buy a non-owner policy as a cheaper insurance alternative.

How much does it cost?

Since non owner insurance coverage doesn’t apply to you or the car you borrow to drive, the owner must carry insurance on their vehicle. Because of the policy limitations cited above, premiums for non-owner insurance are generally less expensive than SR22 or FR44 auto insurance. Rates will vary from person to person based on a variety of factors.

More about non-owner coverage

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When you need non owner insurance coverage, let an UltraCar Insurance agent help. Call us or start an online quote now! We’ll answer your questions, provide affordable SR22 or FR44 quotes, and quickly file your certificate.

This article was last updated on February 20th, 2024 by