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.
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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.
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.
- Quick online quotes in minutes
- SR-22 filing assistance available
- Coverage starts immediately
- Cancel anytime with no penalties
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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.
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