Does GEICO Offer Non-Owner Car Insurance?
GEICO is one of the best companies for non-owner car insurance, which offers cheap coverage for drivers who don’t own the vehicles they drive.
Written by R.E. Fulton
Reviewed by Kathleen Flear
Yes, GEICO sells non-owner car insurance. If you don’t own a car but frequently rent or borrow one from someone outside your household, or if you need to file an SR-22 or FR-44, you can get a non-owner insurance policy from
GEICO
. This form of cheap car insurance
offers great financial protection for drivers who don’t own the cars they drive. Compare insurance quotes from 50+ carriers with Jerry in under 45 seconds (Title in payload)
4.7/5 rating on the App Store | Trusted by 5+ million customers and 7 million cars4.7/5 app rating | Trusted by 5M+ driversShould you get non-owner car insurance from GEICO?
You should look into non-owner auto insurance from GEICO (or another insurer) if:
- You frequently borrow a family member or friend’s car (not a household member’s)
- You frequently use rental cars or car-sharing services like Zipcar
- You recently sold or gifted your car but plan to get another one within a year
- You want to get your suspended license reinstated
For drivers who borrow cars or rent cars on a regular basis, non-owner auto insurance coverage provides additional coverage on top of whatever’s already on the vehicle. When you drive a car you don’t own, it should be covered by the owner’s insurance, the
rental car insurance
, or even your credit card’s rental insurance—but depending on how much coverage that is, you could be underinsured in the event of an accident
. For drivers who recently got rid of a car, a non-owner auto insurance policy is an affordable way to avoid a
lapse in coverage
. If you’re not planning to replace your car, you might not be worried about future insurance rates, but if you’re only temporarily without a car, the cost of non-owner insurance is usually worth it to avoid a rate hike when you get a new car. And for high-risk drivers who need to get their
driver’s license reinstated
, non-owner car insurance is often the cheapest form of SR-22 insurance. While not all car insurance companies will work with SR-22s, GEICO will—and your car insurance costs might not be much higher than those for a car owner with a clean driving record
and full coverage
! MORE: What happens if you drive without a license?
Average cost of non-owner GEICO insurance vs. traditional coverage
The average cost of a non-owner car insurance policy from GEICO is $311 per year. By comparison, the average cost of a
basic liability auto policy
from GEICO is closer to $800 per year, while car owners with collision coverage
and comprehensive insurance
on top of their liability policy pay an average of $1,175 or more per year. In other words, it’s much cheaper to get non-owner car insurance from GEICO than other types of insurance. Of course, the exact cost of any auto insurance policy will depend on a ton of factors, from your driving history to your location. For example, non-owner car insurance is typically more expensive in
Florida
than in California
. What does non-owner car insurance cover?
The most basic non-owner car insurance policies from GEICO include liability insurance—including
bodily injury liability
and property damage liability coverage
—to supplement the car owner or rental company’s coverage. For extra protection, though, you can add uninsured motorist coverage
, personal injury protection (PIP)
, medical payments coverage
, and other coverage options
. What other auto insurance companies offer non-owner policies?
GEICO car insurance is one of the cheapest options for non-owner car insurance, but it’s not the only one. Most other insurance providers sell non-owner car insurance, and depending on your profile, you might find better non-owner car insurance rates from a different company.
Some of the best companies for non-owner auto insurance include:
How to get a non-owner car insurance policy from GEICO
Getting non-owner car insurance coverage works pretty much the same way as getting regular car insurance.
Start by getting multiple
car insurance quotes
to find the best rate and coverage options. Even if you’re pretty sure GEICO will give you the best rate, it’s worth comparing a few other options to be sure. You can call an insurance agent directly or use an online comparison tool
for free quotes. Once you have the quote you need, sign-up is pretty easy. You’ll need to provide documentation, including your driver’s license number, and be prepared to pay your bill right away to lock in the coverage you need!
“You must get this app! It’s my first time getting my own insurance, so I called a few companies myself. Their rates priced me around $600/month. I usedJerryand my rates went down to $250/month. I’m so happy!” —Melissa C.
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Can you insure a car you don’t own with GEICO?
Yes—but only in a state where the name on the car’s registration and the name on the insurance policy don’t need to match (luckily, that’s every state except
New York
). You’ll also need to prove “insurable interest,” i.e. that you would suffer a direct financial loss if the car was damaged.
What is non-owner car insurance called?
Non-owner car insurance is typically called just that—“non-owner car insurance!” But you might also see it called “non-owner liability insurance,” since that’s often the only type of coverage included on these policies.
Can I let my friend drive my car with GEICO?
Of course! If your friend borrows your car with your permission, they should be covered by what’s called “permissive use.” But if they drive it often—12 times a year or more—they may need a non-owner policy.
