Affordable Coverage When You Don’t Own a Car
Don’t own a vehicle—but still need auto insurance? Whether you’re renting cars, driving for work, or simply staying covered between cars, The Car Insurance Guy makes it easy and affordable to get non-owner auto insurance in Arizona, California, Florida, Illinois, Missouri, Nevada, South Carolina, Texas, Virginia.
Fast coverage
Same-day proof
No car required
What Is NonOwner Auto Insurance?
Non-owner car insurance is a special policy designed for people who don’t own a vehicle but still need coverage when they drive. If you borrow cars, rent cars, or need to file an SR22 or FR44 to reinstate your license, this policy helps keep you compliant with the law—without insuring a specific car.
Not sure if you need it? Talk to The Car Insurance Guy today, and we’ll walk you through it
Who Needs NonOwner Insurance?
You may need non-owner car insurance if:
- You don’t own a vehicle but still drive occasionally
- You need to file an SR22 or FR44 but don’t have a car
- You rent or borrow cars often
- You want to avoid a lapse in insurance coverage
If you live with someone who owns a vehicle, you may be able to be added to their policy. But if that’s not an option, a non-owner policy is your best bet.
What Does a NonOwner Policy Cover?
This type of insurance meets Florida’s minimum auto insurance requirements and provides liability protection when you’re driving a car that isn’t yours.
It typically includes:
- Bodily Injury Liability – Covers injuries to others if you cause an accident
- Property Damage Liability – Covers damage to other people’s property
- Uninsured/Underinsured Motorist Coverage – Protects you if you’re hit by someone without enough insurance
- Rental Car Liability – Covers you when you rent a vehicle and cause damage in a covered event
Note: It does not cover physical damage to the car you’re driving (like collision or comprehensive). It’s strictly liability-focused.
How Much Does NonOwner Car Insurance Cost?
Non-owner auto insurance is usually more affordable than standard car insurance since it doesn’t insure a vehicle directly. However, the actual cost depends on factors like your driving history, state filing requirements, and whether you need SR22 or FR44 certification.
Want the best rate? Talk to The Car Insurance Guy today. We’ll compare top carriers and find you the lowest price.
How to Get NonOwner Insurance in Florida
Getting covered is easy. Just call or message us, and we’ll help you:
Don’t Wait—Protect Yourself Today
Even if you don’t own a car, you can still be held financially responsible in an accident. Stay protected, stay legal, and stay ready to drive—whenever you need to. No car required. Just real help from The Car Insurance Guy.