The idea of having car insurance without even owning a car must seem bizarre to some of you. That’s fair because ultimately, what would be the point? Well, there are quite a few reasons for which this situation would be necessary. Today, I’ll break down exactly what a non-owner policy is and we’ll answer one of the most important questions of them all–How much is car insurance for vehicle-less drivers?
What Is A Non-Owner Policy?
Firstly, I’ll quickly break down why exactly someone would seek out a car insurance policy despite not owning a car. The reasons for which someone would need a non-owner policy include someone who does not own a vehicle but:
- Frequently borrows someone else’s car.
- Needs proof of insurance to reinstate a driver’s license.
- Is a frequent car renter.
Now that we’ve got that out of the way, let’s get to the most important question at hand here. So, how much is car insurance for vehicle-less drivers seeking a non-owner policy? Ultimately, the average cost of a non-owner policy varies by state. In Illinois, it’s particularly economically priced. The average cost of a non-owner policy in Illinois is around $335 a year. That’s an economically priced policy and it’s not even the cheapest in the nation. In California, non-owner policies can run as low as $286 annually. South Dakota even has some policies available for as cheap as $235 a year.
It’s important to know that a non-owner policy doesn’t have as wide a range of coverage as a basic auto insurance policy does. For instance, it does not include comprehensive or collision insurance. Additionally, it won’t reimburse you for things such as towing or car rentals. A non-owner policy will instead offer liability coverage for property damage, as well as bodily injury. So, although it doesn’t come with all of the basic insurance services, it does come with the necessary coverage needed for drivers in this specific situation.
More Types Of Coverage
Non-owner car insurance is a lesser-known form of coverage. However, it is still an important policy to be aware of. In fact, there are a number of helpful policies you should know about. These policies include but are not limited to medical payment coverage, towing and rentals coverage, uninsured and underinsured coverage, and more.
It’s also important to note that a basic non-owner auto insurance policy isn’t the only type of non-owner policy available for customers. You can even read about SR-22 non-owner policies thanks to its designated page on our website. Follow the instructions below if you’d like to contact someone from Insurance Navy regarding more questions you may have.
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If you’d like to take a look at more blogs about proper car maintenance or coverage, we have many of them on our website. News articles and blog posts are posted through Insurance Navy on a daily basis, Monday-Friday. Consider taking a look at these insightful pieces before you leave: