Non-Owner Car Insurance in California
For people who drive but don't own a car: liability cover that follows you, not a vehicle.
- Carrier partners
- 35+
- On the phone and at the counter
- English & Español
What it covers
- Liability that follows youCovers injury and damage you cause while driving a car you don't own — a borrowed or rented one.
- For SR-22 without a carIf the DMV wants an SR-22 and you don't own a vehicle, a non-owner policy is the usual way to file it.
- Keeps your history goingStaying insured between cars can help how carriers see you when you buy again.
Questions we get asked
Who needs non-owner car insurance?
People who drive regularly without owning a car — borrowing, renting or car-sharing — and drivers who need an SR-22 but don't own a vehicle.
Does it cover the car I'm driving?
No. It covers your liability to others. Damage to the car itself is the owner's or rental company's cover.