Does Liberty Mutual Offer Non-Owner Car Insurance?
Liberty Mutual offers non-owner car insurance for people who do not own a car or have access to a car owned by someone in their household.
Written by Jacqulyn Graber
Reviewed by Christelle Agustin
Liberty Mutual offers non-owner car insurance for people who do not own a car or have access to a car owned by someone in their household.
Non-owner car insurance is a good investment for drivers who don’t own a car or share a household with a car owner, but frequently rent or borrow vehicles. It’s also a good idea if you need to file an SR-22 for license reinstatement. Either way, you’ll get the protection you need for much less than a traditional
car insurance
policy. Read on to learn more about non-owner car insurance and how to secure quotes for this type of coverage.
Should you get non-owner car insurance from Liberty Mutual?
Non-owner car insurance
coverage from Liberty Mutual is a good idea for drivers who: - Regularly drive a vehicle that belongs to someone else
- Regularly rent cars or use car-sharing services like Zipcar
- Require proof of liability insurance to get their driver’s license back
- Are planning to sell or gift a car and buy another soon afterward
Non-owner car insurance is an inexpensive type of insurance coverage that ensures you’re financially responsible and provides additional coverage on top of the insurance that the vehicle’s owner already carries.
Keep in mind that other people’s vehicles—including rental vehicles—are most likely covered by the owner’s insurance policy or by
rental car insurance
. However, if they only have minimum liability insurance, you’ll be responsible for paying the costs that exceed their coverage limits.Non-owner insurance is also a smart way to avoid a coverage lapse if you’re between vehicles. Maintaining continuous coverage—even while you don’t have a car to insure—can help you qualify for discounted auto insurance rates in the future.
Finally, some car insurance providers will offer non-owner policies to high-risk drivers who do not own a vehicle but need to prove liability coverage in order to reinstate their driver’s license after a DUI or other serious violation.
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Average cost of a Liberty Mutual non-owner auto insurance policy vs. traditional coverage
The average cost of a Liberty Mutual non-owner insurance policy that includes both
collision
and comprehensive insurance
pay an average of $1,483 per year. Clearly, Liberty Mutual is not for those on a budget since the average cost of a standard liability plan is around $1,143 per year. Compare that to State Farm’s average non-owner insurance policy which ranges from a measly $275 to 750 per year.However, keep in mind that your exact policy costs will depend on a number of factors including your driving record, age, and ZIP code. For example, a high-risk driver in
Florida
is likely to pay more for non-owner car insurance than a driver with a perfect record in California
. What does non-owner car insurance cover?
A basic non-owner car insurance policy will include
bodily injury liability
and property damage liability
coverage. You can choose the amount of coverage you’ll have, as long as you meet your state’s minimums. You may also add personal injury protection
(PIP), medical payments coverage
(MedPay), or uninsured motorist coverage
(UIM) to your policy if your state requires it.In short, you’ll have the same coverage options as drivers buying insurance for a vehicle they own—with one major exception: a non-owner auto insurance policy won’t cover damage to the vehicle you’re driving. That means collision coverage and comprehensive coverage aren’t available options for a non-owner policy.
MORE: Cheap car insurance for low-mileage drivers
What other insurance companies offer non-owner policies?
Liberty Mutual isn’t alone in offering non-owner car insurance. In fact, most providers offer this type of coverage. Here are some popular providers:
Keep in mind that not all insurance providers are able to provide SR-22s, so you may need to shop around and speak to insurance agents if you’re in need of this important document.
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Can I insure a car not in my name with Liberty Mutual?
It depends on where you’re located.
New York
is the only state that requires the name on your insurance policy and the name on the vehicle’s registration to match. In other states, you’ll need to prove “insurable interest” in the vehicle that’s not in your name to be able to insure it. In other words, you need to be able to prove that you’d suffer a serious financial loss if the car was totaled.
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