California Non-Owner Car Insurance

Get liability coverage when you drive but don't own a car. Perfect for rental car users, borrowed vehicles, or SR-22 requirements.

Liability Coverage Without a Car

SR-22 Filing Available

Save up to 47%

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What is Non-Owner Car Insurance?

Liability protection for drivers without vehicles

Non-owner car insurance provides liability coverage when you drive a car you don't own. It's secondary coverage that protects you when driving rental cars, borrowed vehicles, or car-sharing services.

Perfect for:

People who frequently rent or borrow cars
Drivers maintaining continuous coverage between vehicles
Those needing SR-22 filing without owning a car

Who Needs Non-Owner Insurance?

Frequent Renters

Regular car renters can save money versus rental insurance

Between Cars

Maintain continuous coverage to avoid rate increases

SR-22 Required

Meet legal requirements without owning a vehicle

Occasional Drivers

Protection when borrowing friends' or family cars

Why Choose Us?

We offer the best insurance options with the best service

Maintain Continuous Coverage

Avoid insurance gaps and keep your rates low even when between vehicles

Affordable Premiums

Non-owner policies cost 50-70% less than standard auto insurance

SR-22 Filing Support

Meet California DMV requirements without owning a vehicle

Drive Any Car

Coverage follows you, not the vehicle - drive rentals, borrowed cars, and more

What's Covered

California Minimum Coverage Includes:

Updated 2025: California's New Minimum Coverage

The Protect California Drivers Act (SB 1107) increased minimum liability limits from 15/30/5 to 30/60/15, effective January 1, 2025.

Bodily Injury Liability$30,000 per person / $60,000 per accident

Property Damage Liability$15,000 per accident

Uninsured Motorist (Optional)Recommended

Medical Payments (Optional)Recommended

Non-owner insurance does not include collision or comprehensive coverage for the vehicle you're driving.

Get Your Non-Owner Insurance Quote

Join thousands of California drivers who found affordable liability coverage without owning a car.

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Frequently Asked Questions

How much does non-owner insurance cost in California?

Non-owner insurance typically costs between $30-60 per month in California, depending on your driving record and coverage limits. It's generally 50-70% less expensive than standard auto insurance.

What does non-owner insurance cover?

Non-owner insurance provides liability coverage for bodily injury and property damage when you drive a car you don't own. It doesn't include collision or comprehensive coverage for the vehicle itself.

Can I get SR-22 with non-owner insurance?

Yes, non-owner SR-22 insurance is available and is often the most affordable way to meet California DMV requirements if you don't own a vehicle.

When should I not get non-owner insurance?

You don't need non-owner insurance if you never drive, live with someone whose car you drive regularly (you should be on their policy), or if you own a vehicle.

Does non-owner insurance cover rental cars?

Yes, non-owner insurance provides liability coverage when driving rental cars. However, it doesn't cover damage to the rental vehicle itself - you'd need the rental company's coverage for that.