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Non-owner car insurance is a liability policy for people who don’t own a vehicle but regularly drive someone else’s.[1] If you usually borrow a friend’s car, rent one, or the state requires you to show proof of insurance, you could benefit from this type of policy.
Texas requires all drivers to meet the minimum liability insurance requirements, and non-owner car insurance helps you do this. Let’s look at how non-owner car insurance works and some of the best insurers in Texas to consider.
Non-owner car insurance includes only bodily injury and property damage liability, which pay for injuries or damages you cause to other drivers.
State Farm, GEICO, and Nationwide are some of the best non-owner car insurance companies in Texas.
Non-owner car insurance costs vary, but it’s less expensive than standard liability car insurance policies.
Non-owner car insurance is a type of liability coverage for drivers who don’t own a car but regularly need to drive someone else’s vehicle. It covers the other driver’s (and their passenger’s) injuries or damages if you cause an accident, but it doesn’t pay for your injuries or the borrowed car’s damages.
But keep in mind that a non-owner policy kicks in only after you’ve exhausted the owner’s existing coverage. For example, if you cause an accident that leads to $50,000 in damages, the existing coverage on the vehicle will cover expenses up to the owner’s coverage limits. Non-owner insurance will pay for only what exceeds those limits.
The policy won’t cover everything but should meet Texas’ minimum-coverage requirements — especially if you have an SR-22 or other requirement to maintain consistent insurance coverage.
Injuries: If you cause an accident, bodily injury liability coverage pays for the other driver’s medical expenses, lost income, and funeral expenses.
Property damage: If you’re at fault for the accident, property damage liability coverage pays to repair or replace the other driver’s car or property, such as their fence.
Hit-and-runs: You can decline this, but if your policy includes uninsured motorist coverage, it protects you if the other driver doesn’t have any insurance or enough coverage.
The vehicle you’re driving: Non-owner car insurance doesn’t include collision or comprehensive coverage, so it won’t cover things like accident damage, severe weather damage, theft, or vandalism.
Your medical bills: Since it doesn’t include personal injury protection or medical payments coverage, you’ll have to use your personal health insurance or pay for these costs out of pocket.
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If you don’t own a vehicle, it’s easy to assume you don’t need to purchase car insurance. But you may want to consider a non-owner car insurance policy if you fall into one of the following categories.
If you frequently rent cars, buying non-owner car insurance may be less expensive than buying the rental car company’s insurance. It won’t cover damages to your rental. Instead, you may be able to purchase a collision damage waiver from the rental company to cover the damages or a stolen rental car.[2]
If you regularly borrow a friend’s or family member’s car, it might be worth considering non-owner auto insurance. The car owner’s insurance will pay out first, but a non-owner policy can protect you if the costs exceed the owner’s liability limits.
If you need to reinstate your driver’s license after a car crash or DUI, the state requires you to file an SR-22 with the Texas Department of Public Safety.[3] If you no longer own a car but need to maintain coverage, a non-owner policy can help you do so
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Several companies — including Progressive, GEICO, and State Farm — offer non-owner car insurance policies in Texas. Most of these policies provide liability coverage, which pays for the other driver’s injuries or damages to their vehicles. This can be helpful if you frequently borrow a vehicle or need insurance to reinstate a suspended license.
Progressive and GEICO’s non-owner policy includes bodily injury and property injury liability coverage. State Farm also provides coverage if an uninsured motorist hits you while you’re riding a bike or motorized scooter. And some other insurance companies — like Direct Auto — may also offer medical payments coverage.
Non-owner insurance serves as proof of insurance if you’re a Texas driver who doesn’t own a vehicle and needs an SR-22. When applying for coverage, it’s a good idea to present a valid Texas driver’s license.
Get coverage in minutes by comparing rates from top insurance companies.
No insurance company will be the best option for everyone, so it’s always important to shop around and compare your options. We chose the following three insurance companies based on a combination of availability, customer satisfaction, industry awards, and available coverage.
| User Reviews | 4.0 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $56/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $110/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 3.9 | 3.2 |
| Customer service | 3.9 | 3.6 |
| Discounts | 3.6 | 2.9 |
| Policy transparency | 3.7 | 3.1 |
| Value | 3.6 | 2.9 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm is one of the best companies for non-owner car insurance in Texas thanks to its network of over 19,000 insurance agents. The company offers competitive rates, and you can earn a discount by bundling multiple policies together. State Farm also received an above-average rating for overall customer satisfaction by J.D. Power.
Large network of agents
Above-average J.D. Power customer score[4]
Many discounts available
Some discounts may not apply to non-owner policies
Gap insurance not available
Accident forgiveness not available
| User Reviews | 4.0 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.6 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $89/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $190/mo |
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 3.9 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.6 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.6 | 2.9 |
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
GEICO is a great choice for anyone looking for affordable car insurance in Texas due to the company’s easy online quoting process. As a customer, you can use the GEICO mobile app to access your insurance card, request roadside assistance, or submit photos for an estimate.
Fast online quote process
Above-average score in the J.D. Power 2024 U.S. Auto Insurance Study
Can file SR-22 insurance for you
Drivers with a history of driving incidents may receive higher rates
Gap insurance not available
Rideshare insurance not available
| J.D. Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 639 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $125/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $246/mo |
Nationwide is a good choice for Texas drivers thanks to its unique policy add-ons. In addition to standard coverages, like collision and liability insurance, you can add accident forgiveness, a vanishing deductible, and roadside assistance to your insurance policy. The company also offers a wide variety of discounts to help you save money on car insurance.
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Non-owner car insurance costs less than standard car insurance. But the cost of non-owner car insurance can vary substantially depending on your driving history, coverage level, and how often you use someone else’s vehicle.
For context, the average liability policy in Texas costs $117 per month, according to Compare.com data. A typical non-owner policy will likely come in below that, but it largely depends on the factors mentioned above.
Rates can also vary significantly from one insurer to the next, so it’s important to shop around to find the best deal. Apply for quotes from at least three different insurance companies and compare the monthly rate and coverage level you’d receive from each.
Compare personalized quotes from the cheapest insurance companies in Texas.
If you rarely drive or are saving money to buy a car, you may not need non-owner auto insurance. But if you need auto coverage and can’t secure non-owner car insurance, some alternatives you can consider include:
Someone else adds you to their policy: If you only drive a specific person’s car, such as a close relative, you can ask that person to consider adding you to their car insurance policy. This may be a cheaper alternative to non-owner car insurance and provide more robust coverage.
Rental car insurance: If you regularly rent vehicles, you can purchase a policy through the rental car company. This could be a good option if you only need a rental car on occasion. But if you frequently use rental cars, this might cost more.
Credit card rental coverage: Some credit cards offer rental insurance as a perk when you use the card to pay for your car rental. But this option doesn’t cover certain cars, so be sure to check the fine print to see if it makes sense for you.
Check out common questions people ask about non-owner car insurance in Texas.
Yes. Texas allows you to buy a non-owner policy if you don’t own a car but regularly borrow someone else’s. This policy provides liability coverage that pays for others’ injuries or damages in an accident you cause.
It depends. You can get car insurance on a car that isn’t in your name in certain situations and if the insurer allows it. One way is to ask the owner to add you to their policy. You can also purchase a non-owner insurance policy if you frequently rent or borrow someone’s car.
Yes. GEICO offers non-owner car insurance in Texas. The policy provides liability coverage, and if you need to meet SR-22 requirements, it ensures you meet the legal requirements to drive a vehicle you don’t own. To learn more, you can apply for a quote on GEICO’s website.
The cheapest car insurance company in Texas is State Farm, with an average monthly rate of $56, according to our research. But it may not be the cheapest option for you, so it’s important to shop around to find the best rate.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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