Compare California Non-Owner Insurance Rates & Save
Get affordable liability coverage even when you don't own a car. Compare quotes from top providers specializing in non-owner policies.
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What is Non-Owner Insurance?
Non-owner car insurance is a specialized policy designed for people who don't own vehicles but still drive occasionally. Unlike traditional auto insurance that covers a specific vehicle, non-owner insurance follows you as the driver.
Who Needs Non-Owner Insurance in California?
Frequent Borrowers
You regularly borrow cars from friends or family members
Car-Sharing Users
You use services like Zipcar, Turo, or GetAround
Frequent Renters
You rent cars often for business or personal use
SR22 Filers Without Cars
You need SR22 filing but don't own a vehicle
What Does Non-Owner Insurance Cover?
California non-owner insurance typically provides liability coverage with limits ranging from $30,000 to $100,000 for bodily injury per person, $60,000 to $300,000 per accident, and $15,000 to $100,000 for property damage.
- Bodily injury liability: Covers injuries to others if you're at fault
- Property damage liability: Covers damage to others' property
- Uninsured/underinsured motorist coverage: Optional in some policies
- Medical payments: Optional coverage for your medical expenses
Non-owner insurance does not include comprehensive or collision coverage, as it's not attached to a specific vehicle.
California Non-Owner Insurance Requirements
As with all auto insurance in California, non-owner policies must meet the state's minimum liability requirements:
- $30,000 for injury/death to one person
- $60,000 for injury/death to more than one person
- $15,000 for damage to property
We recommend higher coverage limits (100/300/50) for better protection against California's high medical costs and expensive vehicle repairs.
Benefits of Non-Owner Insurance
Continuous Coverage
Avoid gaps in your insurance history that could lead to higher rates when you purchase a vehicle in the future.
More Affordable
Non-owner policies are typically 40-60% less expensive than standard auto insurance since they don't include comprehensive or collision coverage.
SR22 Filing Option
Fulfill California SR22 requirements even without owning a vehicle, helping you maintain or reinstate your driving privileges.
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Compare Top Non-Owner Insurance Providers in California
Find affordable non-owner insurance in California without the hassle. We compare rates from providers specializing in coverage for drivers who don't own vehicles but still need liability protection when driving borrowed or rented cars.
| Company | Immediate Coverage | Low Down Payment | SR22 Filing | Rental Car Coverage | Mobile App | Best For | |
|---|---|---|---|---|---|---|---|
Progressive | Best Overall Value | Get Your Quote | |||||
GEICO | Digital Experience | Get Your Quote | |||||
State Farm | Customer Service | Get Your Quote | |||||
Mercury | Budget Option | Get Your Quote | |||||
Dairyland | High-Risk Drivers | Get Your Quote |
* Rates are estimates based on a 35-year-old driver with a clean driving record seeking non-owner coverage in California. Your actual rates may vary based on factors including your driving history, location, and chosen coverage limits.
Compare Your Personalized Non-Owner RatesCalifornia Non-Owner Insurance FAQs
Get answers to the most commonly asked questions about non-owner car insurance in California.
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