State Farm Non Owner Car Insurance

state farm non owner car insurance

State Farm is one of the largest insurance providers in the United States, offering a wide variety of insurance products, including a less commonly known type of coverage known as non-owner car insurance. This article will delve into the details of what State Farm’s non-owner car insurance is, who it’s for, and what it covers.

1. What is Non-Owner Car Insurance?

Non-owner car insurance provides liability coverage when you’re driving a car not owned by you. It typically covers damages and injuries you cause to others in an at-fault accident but doesn’t provide coverage for damage to the vehicle you’re driving. It’s important to note that a non-owner policy applies only to you as a driver, not to any vehicle.

2. State Farm Non-Owner Car Insurance

State Farm offers non-owner car insurance for drivers who don’t own a car but occasionally drive one. The specifics of coverage may vary from state to state due to different insurance regulations. It’s best to discuss your needs with a State Farm agent to understand the details of the coverage available in your area.

3. Who Needs Non-Owner Car Insurance?

Non-owner car insurance is beneficial in several scenarios:

  • Frequent Renters or Borrowers: If you frequently rent cars or borrow someone else’s car, a non-owner policy can provide additional liability protection over what the car owner’s insurance or rental company provides.
  • Between Cars: If you’re in between owning cars, maintaining a non-owner policy can prevent you from being penalized as an uninsured driver, helping you avoid higher rates when you purchase a car and a standard auto policy.
  • Required by Law: Some people are required to have car insurance to keep their driver’s license. This could be due to serious offenses such as DUIs. In these cases, a non-owner policy fulfills this legal requirement.

4. Coverage Details

A typical non-owner car insurance policy from State Farm provides liability coverage for bodily injury and property damage that you cause to others while driving a borrowed or rented car. The policy doesn’t cover damages to the vehicle you’re driving, your injuries, or any personal belongings in the car.

Additionally, a State Farm non-owner policy does not include coverage for towing or rental reimbursement. If you’re renting a car, consider purchasing the rental company’s collision damage waiver for coverage of the rented vehicle.

5. Cost of Non-Owner Car Insurance

The cost of non-owner car insurance varies based on several factors such as your driving record, age, geographic location, and the amount of liability coverage you choose. Generally, a non-owner policy is less expensive than a regular car insurance policy since it provides less coverage.


State Farm non-owner car insurance can be a good solution for drivers who don’t own a car but need financial protection when they’re behind the wheel of a borrowed or rented vehicle. Always discuss your individual needs with a licensed insurance professional to make sure you’re adequately covered. It’s important to note that insurance laws and offerings can change, so it’s advisable to consult with an insurance agent for the most accurate and up-to-date information.