Non-owners-insurance.org - Non-Owner Car Insurance: A Complete Guide - NerdWallet

A non-owners policy will generally cost much less than an owner's policy - in the range of $200 to $300 annually -- because the risk for an insurance company is lower than that of a car owner who drives on a daily basis.

Non-owner car insurance is a special policy designed for people who don’t have a car. It provides liability coverage when you rent or borrow someone’s vehicle. Liability insurance pays if you cause injuries to others or property damage in a car accident.

Since non-owner auto insurance is less expensive than traditional coverage, it can be a good idea to stay covered with a non-owner policy, especially if you expect that you'll need insurance later on. This is particularly true if you have an expensive vehicle.

Non-owner auto insurance policies generally cover liability (bodily injury and property damage only). Liability insurance covers injuries or property damage that you’re legally liable for as a result of an auto accident.