The average cost of non-owner car insurance per year in Texas is $571. If you don’t own a car but drive often or want to maintain continuous coverage after selling your own vehicle, it can be a great affordable solution.
Non-owner car insurance is a type of auto insurance designed to provide liability coverage for drivers who don’t own their own vehicle but drive frequently—whether that’s in borrowed vehicles, rental cars, or through car-sharing services. Here’s what it covers, what it costs, and how to get it in Texas.
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What does non-owner car insurance cover?
Non-owner car insurance is a type of liability insurance. It covers medical bills and vehicle repairs for other drivers if you’re at fault in an accident, but it acts as a kind of secondary coverage to the auto insurance policy of the vehicle’s owner.
You can also add other types of coverage that are common in Texas, such as personal injury protection
, medical payments coverage
, and uninsured motorist coverage
. The only major types of coverage not available for non-owner car insurance are collision
and comprehensive coverage
, since your policy covers you and not any particular vehicle. Under the state requirements
, Texas’s minimum liability limits stop at $30,000 of bodily injury liability
per person and $60,000 of bodily injury liability per accident, plus just $25,000 of property damage liability
. If the owner of the vehicle you’re driving only has a basic liability policy, you could be facing steep costs in the event of an accident, from vehicle repairs for other drivers that exceed the liability limits on the car owner’s policy to your own medical expenses. Average cost of non-owner car insurance in Texas
A non-owner car insurance policy is fairly cheap in Texas. On average, drivers with clean driving records pay $571 per year for coverage. If you have a serious violation like a DUI
, the average annual cost may go up significantly. That’s considerably cheaper than the cost of a traditional car insurance policy in Texas—and a lot cheaper than a full coverage
policy with comprehensive and collision coverage. The best Texas auto insurance companies for non-owner car insurance
Only three car insurance companies offer non-owner car insurance to new customers in all 50 states: GEICO
, State Farm
, and Nationwide
. If you’re looking for non-owner car insurance quotes, those three providers are a good starting point. Many insurance companies that specialize in coverage for high-risk drivers also offer non-owner SR-22 insurance. Companies like Dairyland and The General
are all good bets for non-owner car insurance if your driving history is less than perfect. Want to see how much you might pay for a non-owner’s policy from some of the cheapest providers in Texas? Check out the table below.
Cheapest Texas non-owner car insurance companies
| | | Average annual SR-22 premium | Average monthly SR-22 premium |
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4.717k Ratings5M+Drivers Joined
7M+Cars Garaged
Who needs a non-owner car insurance policy?
Non-owner car insurance policies are designed for three main situations:
If you don’t own a car but frequently rent vehicles or use car-sharing services like Zipcar, you may want to purchase additional coverage on top of any rental car insurance.
If you need to purchase SR-22 insurance
to get your driver’s license reinstated, a non-owner auto insurance policy is typically the best (and cheapest) way to do it. If you borrow another person’s vehicle on a regular basis, non-owner car insurance can protect you from serious financial liability.
If you’re going to be temporarily without a car, non-owner insurance can help you avoid a lapse in coverage
that could raise your insurance rates down the road.
If you borrow a friend’s car every now and then, you don’t need to purchase non-owner car insurance: your friend’s policy will cover you while you’re behind the wheel. And if you rent cars once or twice a year for vacations, you can stick to the rental car insurance coverage
offered by the rental company or your credit card company. If you’re reliant on someone else’s car to get around in Texas, be sure to ask the owner of the borrowed car about the types of car insurance
and coverage limits they carry. How to get non-owner car insurance in Texas
If you’ve got a valid driver’s license and don’t have a vehicle or regular access to one, you can get non-owner car insurance in Texas. Call up an insurance agent to get a quote, or use an insurance comparison tool to analyze multiple quotes at once.
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