Does State Farm Offer Non-Owner Car Insurance?
You can buy non-owner car insurance from State Farm and it will likely cost you less than standard insurance policy.
Written by R.E. Fulton
Reviewed by Kathleen Flear
Yes, you can buy non-owner car insurance from State Farm. If you need an SR-22 to get your license reinstated, or if you frequently drive cars you don’t own, a non-owner car insurance policy from
State Farm
could give you the financial protection you need at a much lower cost than a traditional car insurance
policy. To learn about this type of coverage and find out how to get non-owner car insurance quotes, read on.
Should you get non-owner car insurance from State Farm?
- You regularly drive a vehicle that belongs to someone else
- You regularly rent cars or use car-sharing services like Zipcar
- You’re planning to sell or gift a car and buy another soon afterward
Non-owner car insurance is a cheap type of insurance coverage that proves you’ve met your financial responsibility requirements and provides additional coverage on top of whatever the vehicle’s owner carries.
If you’re driving someone else’s car—whether it’s a rental or a friend or family member’s vehicle—it’s likely already covered by the owner’s insurance policy or by
rental car insurance
. But depending on how robust that coverage is, you could still face steep out-of-pocket costs if you’re in an at-fault accident while uninsured. Medical bills following a car accident average about $60,000, while the average cost of a motor vehicle on the road today is close to $48,000. If the coverage on your friend’s car includes only minimum liability, you’ll be responsible for whatever the policy doesn’t cover—unless you’ve got liability insurance of your own.
Non-owner insurance is also a great way to avoid a coverage lapse if you’re between vehicles. Unless you’re not planning to own a vehicle in the future, maintaining continuous coverage—even while you don’t have a car to insure—can help you qualify for discounted auto insurance rates down the road.
Finally, some auto insurance companies offer non-owner policies to
high-risk drivers
who need to prove liability coverage in order to reinstate their license after a DUI or other serious violations. RECOMMENDED
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Average cost of a State Farm non-owner auto insurance policy vs. traditional coverage
The average cost of a non-owner car insurance policy from State Farm is $408 per year. By comparison, the average cost of a standard liability plan for vehicle owners is $1,143 per year, and the cost of a full coverage State Farm policy with both
collision
and comprehensive insurance
is about $1,325 per year. As you can see from those numbers, non-owner car insurance is significantly cheaper than a regular policy. However, your exact policy costs will depend on a number of factors, from your driving record and coverage limits to your age, gender, 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 coverage
and property damage liability coverage
, with minimum amounts based on the liability limits in your state. If your state requires personal injury protection (PIP)
, medical payments coverage
, or uninsured motorist coverage (UIM)
, those can also be included in a non-owner’s policy.In other words, you’ll have the same coverage options as someone buying insurance for an owned car. The only 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?
Most car insurance companies offer non-owner policies. State Farm is among the cheapest, but you can also find non-owner auto insurance coverage with the following providers:
Just be aware that not all insurance providers work with SR-22s, so you may need to shop around and speak to insurance agents to find a company willing to sell you a non-owner’s liability policy with an SR-22.
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Can I insure a car not in my name with State Farm?
It depends.
New York
is the only state that requires the name on your insurance policy and the name on the vehicle’s registration to match—but in other states, you’ll need to prove what’s called “insurable interest” in the vehicle to insure it if it’s not in your name. In other words, you need to be able to show that you’d suffer a serious financial loss if the car was totaled. 
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