{"id":320884,"date":"2025-11-11T09:12:32","date_gmt":"2025-11-11T14:12:32","guid":{"rendered":"https:\/\/www.reviews.com\/?p=134697"},"modified":"2025-11-11T09:12:32","modified_gmt":"2025-11-11T14:12:32","slug":"what-is-non-owner-car-insurance","status":"publish","type":"post","link":"https:\/\/www.reviews.com\/insurance\/car\/what-is-non-owner-car-insurance\/","title":{"rendered":"What is Non-Owner Car Insurance?"},"content":{"rendered":"\n\n\n<p>Many licensed drivers who rent, car\u2011share, or borrow vehicles carry non\u2011owner car insurance to get liability protection that follows them and, when needed, to satisfy proof\u2011of\u2011financial\u2011responsibility filings without owning a vehicle. This can include SR\u201122 requirements in many states and FR\u201144 requirements after certain DUI offenses in Florida and Virginia (<a href=\"https:\/\/www.leg.state.fl.us\/statutes\/index.cfm?App_mode=Display_Statute&#038;Search_String=&#038;URL=0300-0399\/0324\/Sections\/0324.023.html\">Florida FR\u201144 100\/300\/50 limits<\/a>; <a href=\"https:\/\/law.lis.virginia.gov\/vacode\/title46.2\/chapter3\/section46.2-316\/\">Virginia FR\u201144 higher\u2011limit proof<\/a>). Recent market analyses show non\u2011owner coverage typically costs in the mid\u2011$500s annually for a clean\u2011record driver, with substantial variation by state and driver profile (<a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin<\/a>; <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>). <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What is Non-Owner Car Insurance?<\/h2>\n\n\n\n<p>Non\u2011owner car insurance is a personal auto policy that provides at\u2011fault liability coverage when you drive vehicles you do not own and do not have regular access to\u2014such as rental cars, car\u2011share vehicles, or a friend\u2019s car. Core coverage is liability only; collision and comprehensive for the vehicle you\u2019re driving are not included. Optional UM\/UIM and Medical Payments or PIP may be offered depending on your state and insurer (<a href=\"https:\/\/www.progressive.com\/answers\/non-owner-car-insurance\/\">Progressive<\/a>; <a href=\"https:\/\/www.geico.com\">GEICO<\/a>). State law sets the minimum liability limits a non\u2011owner policy must carry. For example, California raised its minimums to 30\/60\/15 effective January 1, 2025 (<a href=\"https:\/\/leginfo.legislature.ca.gov\/faces\/billNavClient.xhtml?bill_id=202120220SB1107\">SB 1107<\/a>). Several states explicitly define \u201coperator\u201d (non\u2011owner) policies in statute (e.g., <a href=\"https:\/\/www.ncleg.gov\/EnactedLegislation\/Statutes\/HTML\/BySection\/Chapter_20\/GS_20-279.21.html\">North Carolina<\/a>, <a href=\"https:\/\/codes.ohio.gov\/ohio-revised-code\/section-4509.52\">Ohio<\/a>).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What Does a Non-Owner Auto Insurance Policy Cover?<\/h2>\n\n\n\n<p>If you\u2019re considering whether non\u2011owner auto insurance is right for you, here\u2019s what\u2019s typically included; in many states, insurers can also add uninsured\/underinsured motorist (UM\/UIM) and Medical Payments or PIP as required or allowed by law (<a href=\"https:\/\/www.progressive.com\/answers\/non-owner-car-insurance\/\">Progressive<\/a>; <a href=\"https:\/\/www.geico.com\">GEICO<\/a>). Car\u2011share platforms usually provide at least the state\u2011minimum third\u2011party liability, so a non\u2011owner policy is often used to raise your liability protection beyond those minimums (<a href=\"https:\/\/support.turo.com\/en_us\/guest-insurance-and-protection-plans-in-the-us-SkfKZ8Dkz\">Turo<\/a>).<br><\/p>\n\n\n\n<ul class=\"is-style-blog-list\"><li><strong>Bodily injury liability coverage:<\/strong> Pays for others\u2019 medical and related costs if you cause an accident while driving a car you don\u2019t own. Coverage follows you, not a specific vehicle, and must meet at least your state\u2019s minimum legal limits (for instance, California\u2019s floor is now 30\/60\/15 as of 2025 per <a href=\"https:\/\/leginfo.legislature.ca.gov\/faces\/billNavClient.xhtml?bill_id=202120220SB1107\">SB 1107<\/a>).<\/li><li><strong>Property damage liability coverage:<\/strong> Pays for damage you cause to others\u2019 property (vehicles, structures, signs, bikes) while driving a non\u2011owned car, including a rental or car\u2011share. Limits can be set above state minimums\u2014often recommended in higher\u2011severity markets\u2014and may be required at elevated levels for certain filings such as Florida\/Virginia FR\u201144 after DUI (<a href=\"https:\/\/www.leg.state.fl.us\/statutes\/index.cfm?App_mode=Display_Statute&#038;Search_String=&#038;URL=0300-0399\/0324\/Sections\/0324.023.html\">FL 100\/300\/50<\/a>; <a href=\"https:\/\/law.lis.virginia.gov\/vacode\/title46.2\/chapter3\/section46.2-316\/\">VA FR\u201144<\/a>).<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">What&#8217;s Not Covered by Non-Owner Auto Insurance?<\/h3>\n\n\n\n<p>Not everything is covered by non\u2011owner auto insurance. Some things non\u2011owner insurance won\u2019t cover include:<\/p>\n\n\n\n<ul class=\"is-style-blog-list\"><li><strong>Your own injuries:<\/strong> Liability coverage doesn\u2019t pay your medical bills. Some states\/insurers offer MedPay or PIP on non\u2011owner forms, but in many no\u2011fault states PIP is paid first by the policy on the vehicle involved per statutory priority rules (see Minnesota example, <a href=\"https:\/\/www.revisor.mn.gov\/statutes\/cite\/65B.47\">Minn. Stat. \u00a765B.47<\/a>).<\/li><li><strong>Damages or losses to the vehicle you\u2019re driving: <\/strong>Non\u2011owner policies do not include collision or comprehensive. For rentals or car\u2011share, you\u2019d need the company\u2019s loss\/collision damage waiver or another product to cover the car itself (<a href=\"https:\/\/www.geico.com\">GEICO<\/a>; <a href=\"https:\/\/www.progressive.com\/answers\/non-owner-car-insurance\/\">Progressive<\/a>).<\/li><li><strong>Losses caused by others:<\/strong> Your liability coverage doesn\u2019t pay you if another party is at fault; recovery usually comes from the at\u2011fault driver\u2019s insurance or your optional UM\/UIM where available (<a href=\"https:\/\/www.progressive.com\/answers\/non-owner-car-insurance\/\">Progressive<\/a>).<\/li><li><strong>Uninsured motorists:<\/strong> If the other driver lacks enough insurance, you\u2019ll need optional UM\/UIM (where offered) for your injuries; standard non\u2011owner liability alone won\u2019t reimburse you (<a href=\"https:\/\/www.progressive.com\/answers\/non-owner-car-insurance\/\">Progressive<\/a>).<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">When Do I Need Non-Owner Car Insurance?<\/h2>\n\n\n\n<p>A non\u2011owner policy covers you when you occasionally drive vehicles you don\u2019t own and helps protect against lawsuits and out\u2011of\u2011pocket liability if you\u2019re at fault. It\u2019s also the standard path to meet proof\u2011of\u2011financial\u2011responsibility without a vehicle: many DMVs accept non\u2011owner SR\u201122 filings, and FR\u201144 states (Florida and Virginia) require higher limits after certain DUI convictions (<a href=\"https:\/\/www.dps.texas.gov\">Texas SR\u201122 operator filings<\/a>; <a href=\"https:\/\/www.dmv.ca.gov\">California SR\u201122<\/a>; <a href=\"https:\/\/www.leg.state.fl.us\/statutes\/index.cfm?App_mode=Display_Statute&#038;Search_String=&#038;URL=0300-0399\/0324\/Sections\/0324.023.html\">FL FR\u201144 100\/300\/50<\/a>; <a href=\"https:\/\/law.lis.virginia.gov\/vacode\/title46.2\/chapter3\/section46.2-316\/\">VA FR\u201144 higher\u2011than\u2011minimum limits<\/a>). Some states explicitly recognize operator (non\u2011owner) policies in statute (<a href=\"https:\/\/www.ncleg.gov\/EnactedLegislation\/Statutes\/HTML\/BySection\/Chapter_20\/GS_20-279.21.html\">NC<\/a>; <a href=\"https:\/\/codes.ohio.gov\/ohio-revised-code\/section-4509.52\">OH<\/a>).<\/p>\n\n\n\n<ul class=\"is-style-blog-list\"><li><strong>SR-22 required:<\/strong> If you need proof of financial responsibility (e.g., after a DUI or driving without insurance), most states accept a non\u2011owner policy with an SR\u201122\/FR\u201144 filing to reinstate or maintain your license. Florida and Virginia specifically require FR\u201144 filings with elevated liability limits for certain DUI\u2011related reinstatements (<a href=\"https:\/\/www.leg.state.fl.us\/statutes\/index.cfm?App_mode=Display_Statute&#038;Search_String=&#038;URL=0300-0399\/0324\/Sections\/0324.023.html\">FL 100\/300\/50<\/a>; <a href=\"https:\/\/law.lis.virginia.gov\/vacode\/title46.2\/chapter3\/section46.2-316\/\">VA FR\u201144<\/a>).<\/li><li><strong>To save on rental car coverage:<\/strong> A non\u2011owner policy supplies your liability coverage for rentals; pair it with the rental company\u2019s collision\/loss damage waiver (or applicable credit\u2011card primary coverage) to cover the car itself. Note that many car\u2011share platforms provide only state\u2011minimum liability to guests, so a non\u2011owner policy can raise your liability limits beyond those minimums (<a href=\"https:\/\/support.turo.com\/en_us\/guest-insurance-and-protection-plans-in-the-us-SkfKZ8Dkz\">Turo<\/a>).<\/li><li><strong>You borrow other people\u2019s cars often: <\/strong>If you occasionally borrow cars rather than own one, a non\u2011owner policy gives you consistent liability protection\u2014subject to exclusions for vehicles available for your regular use or owned by household members (<a href=\"https:\/\/www.progressive.com\/answers\/non-owner-car-insurance\/\">Progressive<\/a>).<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">When You Don\u2019t Need Non-Owner Car Insurance?<\/h2>\n\n\n\n<p>Non\u2011owner car insurance isn\u2019t for everyone. You will not need non\u2011owner car insurance if:<\/p>\n\n\n\n<ul class=\"is-style-blog-list\"><li><strong>You own a vehicle: <\/strong>If you own a car, you need a standard auto policy; non\u2011owner forms exclude vehicles you own or those available for your regular use (<a href=\"https:\/\/www.progressive.com\/answers\/non-owner-car-insurance\/\">Progressive<\/a>).<\/li><li><strong>You\u2019re driving a commercial vehicle:<\/strong> Personal non\u2011owner policies exclude business use. Businesses typically need Hired and Non\u2011Owned Auto (HNOA) liability for employees\/owners using non\u2011owned or rented vehicles for work; HNOA covers third\u2011party liability, not the vehicle\u2019s damage (<a href=\"https:\/\/www.iii.org\/article\/hired-and-non-owned-auto-insurance\">Insurance Information Institute<\/a>; <a href=\"https:\/\/www.thehartford.com\">The Hartford<\/a>).<\/li><li><strong>You live with the person you\u2019re borrowing a car from: <\/strong>Most non\u2011owner policies exclude household vehicles and cars available for your regular use; you\u2019re generally expected to be listed on the vehicle owner\u2019s policy (<a href=\"https:\/\/www.progressive.com\/answers\/non-owner-car-insurance\/\">Progressive<\/a>).<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">How to Shop for a Non-Owner Car Insurance Policy<\/h2>\n\n\n\n<p>Shopping is straightforward: many carriers can issue a non\u2011owner policy the same day and e\u2011file required proof (SR\u201122\/FR\u201144) with your state. Compare identical liability limits across insurers, confirm they can handle your filing type, and consider raising limits above your state minimums\u2014especially in states that recently increased them (e.g., California 30\/60\/15 as of 2025, <a href=\"https:\/\/leginfo.legislature.ca.gov\/faces\/billNavClient.xhtml?bill_id=202120220SB1107\">SB 1107<\/a>). If you rent or car\u2011share, ask how your policy coordinates with platform\u2011provided coverage (<a href=\"https:\/\/www.progressive.com\/answers\/non-owner-car-insurance\/\">Progressive<\/a>; <a href=\"https:\/\/support.turo.com\/en_us\/guest-insurance-and-protection-plans-in-the-us-SkfKZ8Dkz\">Turo<\/a>).<\/p>\n\n\n\n<ul class=\"is-style-blog-list\"><li><strong>Compare policies:<\/strong> As with all types of insurance, it\u2019s best to shop around for the <a href=\"https:\/\/www.reviews.com\/insurance\/car\/best-cheap\/\">cheapest auto insurance<\/a>. Request the same limits from multiple carriers and ask about any SR\u201122\/FR\u201144 filing fees; many insurers can e\u2011file your certificate the same day (<a href=\"https:\/\/www.progressive.com\">Progressive SR\u201122<\/a>).<\/li><li><strong>Provide your driver\u2019s license: <\/strong>You\u2019ll typically need a valid license and basic details. If you can legally drive, you can usually get coverage, including operator (non\u2011owner) filings accepted by agencies like <a href=\"https:\/\/www.dps.texas.gov\">Texas DPS<\/a> and the <a href=\"https:\/\/www.dmv.ca.gov\">California DMV<\/a>.&nbsp;<\/li><li><strong>Pay for coverage:<\/strong> Many insurers bind coverage and provide ID cards instantly by email\/app. If you need rental car damage protection, add the rental company\u2019s damage waiver; non\u2011owner policies don\u2019t cover the car you drive (<a href=\"https:\/\/www.geico.com\">GEICO<\/a>).<\/li><\/ul>\n\n\n\n<p>To compare rates for the best non\u2011owner insurance coverage, check out the following auto insurance companies. Among large brands, several differences matter by state: Progressive offers non\u2011owner liability with optional UM\/UIM or MedPay where available and explicitly supports non\u2011owner SR\u201122 filings; it\u2019s often a fast option by phone (<a href=\"https:\/\/www.progressive.com\/answers\/non-owner-car-insurance\/\">Progressive<\/a>). State Farm provides non\u2011owner policies and can handle filings through local agents (<a href=\"https:\/\/www.statefarm.com\/insurance\/auto\/non-owner-car-insurance\">State Farm<\/a>). Allstate offers non\u2011owner coverage via agents and can assist with state filings (<a href=\"https:\/\/www.allstate.com\">Allstate<\/a>). Dairyland markets non\u2011owner policies to drivers who need SR\u201122\/FR\u201144 support and sells direct online or by phone (<a href=\"https:\/\/www.dairylandinsurance.com\">Dairyland<\/a>). Because service and pricing vary, you may also consider overall customer\u2011experience benchmarks (e.g., regional results in the <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-insurance-study\">J.D. Power U.S. Auto Insurance Study<\/a>) as a directional indicator of service quality.<\/p>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Provider<\/strong><\/td><td><strong>Phone number<\/strong><\/td><\/tr><tr><td><a href=\"https:\/\/www.reviews.com\/insurance\/car\/allstate-review\/\">Allstate<\/a><\/td><td>800-669-2214<\/td><\/tr><tr><td>Dairyland<\/td><td>800-334-0090<\/td><\/tr><tr><td><a href=\"https:\/\/www.reviews.com\/insurance\/car\/farmers-insurance-review\/\">Farmers<\/a><\/td><td>888-327-6335<\/td><\/tr><tr><td><a href=\"https:\/\/www.reviews.com\/insurance\/car\/geico-review\/\">Geico<\/a><\/td><td>888-395-1200<\/td><\/tr><tr><td>Infinity<\/td><td>800-782-1020<\/td><\/tr><tr><td><a href=\"https:\/\/www.reviews.com\/insurance\/car\/nationwide-insurance-review\/\">Nationwide<\/a><\/td><td>877-669-6877<\/td><\/tr><tr><td><a href=\"https:\/\/www.reviews.com\/insurance\/car\/progressive-review\/\">Progressive<\/a><\/td><td>800-776-4737<\/td><\/tr><tr><td><a href=\"https:\/\/www.reviews.com\/insurance\/car\/state-farm-review\/\">State Farm<\/a><\/td><td>800-782-8332<\/td><\/tr><tr><td><a href=\"https:\/\/www.reviews.com\/insurance\/car\/the-general-review\/\">The General<\/a><\/td><td>844-328-0306<\/td><\/tr><tr><td>Titan<\/td><td>800-848-2687<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">How much is non-owner car insurance?&nbsp;<\/h2>\n\n\n\n<p>Car insurance without a car is typically cheaper than a standard policy because it excludes physical damage coverage. Recent nationwide analyses place the average annual cost for a non\u2011owner policy around the mid\u2011$500s to low\u2011$600s; one 2025 benchmark is about $588 per year for a clean\u2011record driver buying state\u2011minimum liability (roughly $42\u2013$50 per month). Prices commonly range from about $300\u2013$400 in lower\u2011cost states to $800+ in higher\u2011cost states, and SR\u201122\/FR\u201144 filings or recent violations can push costs above $1,000 (<a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin<\/a>; <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>; <a href=\"https:\/\/www.forbes.com\">Forbes Advisor<\/a>). Premiums have risen broadly alongside double\u2011digit year\u2011over\u2011year increases in the motor vehicle insurance component of the CPI through 2024\u20132025 (<a href=\"https:\/\/www.bls.gov\/news.release\/cpi.t14.htm\">BLS CPI<\/a>), so it\u2019s important to <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/\">compare car insurance coverage<\/a> and right\u2011size your limits.<\/p>\n\n\n\n<ul class=\"is-style-blog-list\"><li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/adding-a-teen-driver\/\">Your age<\/a> (younger drivers typically pay more; violations can add substantial surcharges)<\/li><li>The state you live in (typical non\u2011owner ranges span about $300\u2013$400 in lower\u2011cost states to $800+ in higher\u2011cost states for similar profiles)<\/li><li>Coverage limits (higher liability limits cost more; California\u2019s new 30\/60\/15 minimums raise the floor in 2025)<\/li><li>The level of insurance (adding UM\/UIM or MedPay\/PIP where available improves protection and may raise the premium)<\/li><li>Deductible amount (if applicable to optional coverages; liability itself has no deductible)<\/li><li>Types of discounts you qualify for (e.g., telematics\/safe\u2011driving programs, bundling, continuous insurance)<\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/when-not-to-file-a-claim\/\">Previous claims<\/a> (a single at\u2011fault accident often raises rates about 40%\u201350% on average)<\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/how-car-accident-affect-insurance\/\">Driving history<\/a> (a speeding ticket commonly increases premiums ~20%\u201325%; a DUI can raise costs ~65%\u201385% and may require SR\u201122\/FR\u201144)<\/li><li>Your <a href=\"https:\/\/www.reviews.com\/insurance\/car\/how-credit-scores-affects-rates\/\">credit score<\/a> (where permitted, drivers with poor credit often pay ~60%\u201380% more than those with good credit; credit use is prohibited in CA, HI, and MA)<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">What\u2019s next?<\/h3>\n\n\n\n<ul class=\"is-style-alt\"><li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/\">The Best Car Insurance Companies<\/a><\/li><li><a href=\" \nhttps:\/\/www.reviews.com\/insurance\/car\/how-does-car-insurance-work\/\">Auto Insurance FAQ<\/a><\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/buyers-guide\/\">Car Insurance Buyer\u2019s Guide<\/a><\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/company-ratings\/\">Car Insurance Companies and Ratings<\/a><\/li><li><a href=\" \nhttps:\/\/www.reviews.com\/insurance\/car\/everything-you-should-know-about-car-insurance-quotes\/\">Car Insurance Quotes: Everything You Need to Know<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Many licensed drivers who rent, car\u2011share, or borrow vehicles carry non\u2011owner car insurance to get liability protection that follows them and, when needed, to satisfy proof\u2011of\u2011financial\u2011responsibility filings without owning a vehicle. This can include SR\u201122 requirements in many states and FR\u201144 requirements after certain DUI offenses in Florida and Virginia (Florida FR\u201144 100\/300\/50 limits; Virginia [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":357959,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[1266],"tags":[],"post_author":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What is Non-Owner Car Insurance? | Reviews.com<\/title>\n<meta name=\"description\" content=\"Non-owner car insurance is for drivers in borrowed\/rented vehicles and covers bodily injury and property damage, but not damage to the borrowed vehicle.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reviews.com\/insurance\/car\/what-is-non-owner-car-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What is Non-Owner Car Insurance? | Reviews.com\" \/>\n<meta property=\"og:description\" content=\"Non-owner car insurance is for drivers in borrowed\/rented vehicles and covers bodily injury and property damage, but not damage to the borrowed vehicle.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.reviews.com\/insurance\/car\/what-is-non-owner-car-insurance\/\" \/>\n<meta property=\"og:site_name\" content=\"Reviews.com\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Reviewscom\/\" \/>\n<meta property=\"article:published_time\" content=\"2025-11-11T14:12:32+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.reviews.com\/wp-content\/uploads\/2019\/09\/GettyImages-961208658-1024x684.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"684\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Reviews Staff\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"What is Non-Owner Car Insurance? | Reviews.com\" \/>\n<meta name=\"twitter:description\" content=\"Non-owner car insurance is for drivers in borrowed\/rented vehicles and covers bodily injury and property damage, but not damage to the borrowed vehicle.\" \/>\n<meta name=\"twitter:creator\" content=\"@Reviews\" \/>\n<meta name=\"twitter:site\" content=\"@Reviews\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Reviews Staff\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.reviews.com\/insurance\/car\/what-is-non-owner-car-insurance\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.reviews.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"What is Non-Owner Car Insurance?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.reviews.com\/#website\",\"url\":\"https:\/\/www.reviews.com\/\",\"name\":\"Reviews.com\",\"description\":\"Your Guide to the Best Services\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.reviews.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"What is Non-Owner Car Insurance? | Reviews.com","description":"Non-owner car insurance is for drivers in borrowed\/rented vehicles and covers bodily injury and property damage, but not damage to the borrowed vehicle.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.reviews.com\/insurance\/car\/what-is-non-owner-car-insurance\/","og_locale":"en_US","og_type":"article","og_title":"What is Non-Owner Car Insurance? | Reviews.com","og_description":"Non-owner car insurance is for drivers in borrowed\/rented vehicles and covers bodily injury and property damage, but not damage to the borrowed vehicle.","og_url":"https:\/\/www.reviews.com\/insurance\/car\/what-is-non-owner-car-insurance\/","og_site_name":"Reviews.com","article_publisher":"https:\/\/www.facebook.com\/Reviewscom\/","article_published_time":"2025-11-11T14:12:32+00:00","og_image":[{"width":1024,"height":684,"url":"https:\/\/www.reviews.com\/wp-content\/uploads\/2019\/09\/GettyImages-961208658-1024x684.jpg","type":"image\/jpeg"}],"author":"Reviews Staff","twitter_card":"summary_large_image","twitter_title":"What is Non-Owner Car Insurance? | Reviews.com","twitter_description":"Non-owner car insurance is for drivers in borrowed\/rented vehicles and covers bodily injury and property damage, but not damage to the borrowed vehicle.","twitter_creator":"@Reviews","twitter_site":"@Reviews","twitter_misc":{"Written by":"Reviews Staff","Est. reading time":"8 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"BreadcrumbList","@id":"https:\/\/www.reviews.com\/insurance\/car\/what-is-non-owner-car-insurance\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.reviews.com\/"},{"@type":"ListItem","position":2,"name":"What is Non-Owner Car Insurance?"}]},{"@type":"WebSite","@id":"https:\/\/www.reviews.com\/#website","url":"https:\/\/www.reviews.com\/","name":"Reviews.com","description":"Your Guide to the Best Services","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.reviews.com\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/posts\/320884"}],"collection":[{"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/users\/345"}],"replies":[{"embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/comments?post=320884"}],"version-history":[{"count":0,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/posts\/320884\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/media\/357959"}],"wp:attachment":[{"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/media?parent=320884"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/categories?post=320884"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/tags?post=320884"},{"taxonomy":"post_author","embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/post_author?post=320884"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}