Non-owner car insurance in California
Liability coverage - and an SR-22 if you need one - without owning a vehicle.
Who needs a non-owner policy
- Drivers who need an SR-22 but do not own a car
- People who regularly rent or borrow vehicles
- Drivers between cars who want to keep coverage continuous and avoid a lapse
What it covers - and does not
A non-owner policy provides liability coverage for injuries and damage you cause while driving a vehicle you do not own. It does not cover physical damage to the car you are driving, and it is secondary to any coverage on that vehicle. It is about liability and satisfying an SR-22, not insuring a specific car.
Keeping coverage continuous
One underrated benefit: a non-owner policy keeps your insurance history continuous while you are between cars, which helps avoid the lapse surcharge when you buy your next vehicle.
Frequently asked questions
Can I file an SR-22 with a non-owner policy?
Yes. A non-owner policy is a common way to satisfy an SR-22 requirement when you do not own a vehicle. We can place the policy and file the SR-22 for you.
Does non-owner insurance cover the car I am driving?
It covers your liability, not physical damage to the borrowed or rented vehicle. It is secondary to any insurance already on that car.
Why keep a non-owner policy between cars?
It keeps your coverage history continuous, which helps you avoid a lapse surcharge on your next policy when you buy a vehicle again.
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