Progressive Non-Owner Auto Insurance (2023 Guide)

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All motorists need the protection of car insurance. It covers you if you’re at fault in an accident and can also help pay for damages and injuries on your end. But what if you don’t own the car you drive? Can you still protect yourself financially against possible dangers on the road? This is where non-owner auto insurance comes in.

Progressive is one of the leading providers of non-owner auto insurance. If you want to know more, here’s a closer look at how Progressive’s non-owner car insurance works, what it covers, and how much it costs. Our team of experts have also reviewed other major providers to find the best auto insurance companies for your needs. Enter your zip code in our toolbox below to get free auto insurance quotes from providers near you.

What is non-owner car insurance?

Non-owner motor insurance provides liability coverage for drivers who do not own the vehicle they are driving. If you’re involved in an accident and are found to be at fault, it helps you pay for the other party’s injuries and property damage. It also protects you from lawsuits. Motor vehicle liability insurance works in the same way as normal motor vehicle insurance.

Providers issue non-owner car insurance per person, so no other people can be included on the policy besides you. Also, non-owner car insurance policies usually don’t have a deductible, meaning you don’t have to pay out of pocket before the coverage takes effect.

Typically, non-owner coverage is a supplement to the car owner’s primary insurance. You can get non-owner auto insurance if you’re driving someone else’s car, but its coverage isn’t enough to protect you.

Who Needs Non-Owner Car Insurance?

Car insurance for non-owners is not for everyone. It only makes sense for some drivers, like the following:

Those who regularly rent cars

If you rent a car regularly, non-owner car insurance can be more cost-effective than rental car insurance. Rental companies offer insurance for about $20 a day, which can add up if you rent multiple times a year.

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It will likely cost more than the annual payment for non-owner auto insurance. But before you buy non-owner car insurance, confirm with your provider that the policy will cover rental cars.

Those who often borrow vehicles

If you always borrow a friend’s vehicle, it’s a good idea to get non-owner auto insurance. This way you have liability insurance and don’t have to worry about not being protected by car insurance. However, if you live with the people you borrow cars from, ask them to add you to their primary insurance instead. Your non-owner auto insurance provider may not cover you in such scenarios.

Those who want to avoid coverage gaps

A lapse in car insurance coverage can significantly increase your premiums in the future, even if the lapse is short-lived. It is best to avoid insurance gaps, even if you do not intend to drive for a long time. Non-owner car insurance is cheaper than standard insurance, so you can use it to avoid going out.

At Progressive, customers are encouraged to take the online quiz first to see if non-owner car insurance is right for their needs.

What does Progressive non-owner car insurance cover?

Progressive non-owner auto insurance provides drivers with the minimum amount of liability coverage required by federal and state laws. There may be more policy limits than standard auto insurance.

Here are Progressive’s non-owner auto insurance coverage types:

  • Liability insurance for personal injury: If you are at fault in a car accident and the people involved are injured, you are liable for their injuries. Personal injury liability insurance helps you pay for the ambulance, medical care, and other related expenses.
  • Liability insurance for property damage: If you cause a traffic accident, you are liable for the damage caused to the other vehicle. Property damage liability insurance will help you pay for the repairs you need.
  • Protection against personal injury (PIP): This is optional from Progressive, but it covers your medical bills and lost wages regardless of who caused the accident.
  • Medical Payments (MedPay) coverage: As an alternative to PIP, MedPay covers your medical bills, but not your lost wages.
  • Insurance coverage for uninsured drivers: Unless your state requires this insurance, it is optional for a non-owner policy. This coverage helps with your medical expenses if you are involved in an accident with an uninsured at-fault driver who cannot pay for your injuries.
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Progressive does not allow Collision Damage Waiver or collision coverage in a non-owner policy as these coverages are specific to a vehicle that you do not own. Progressive is known for offering affordable rewards for high risk drivers such as:

Other recommendations

Purchasing car insurance for non-owners has its challenges. To help you with your search, our team has ranked the best car insurance companies. In addition to Progressive, we believe State Farm and GEICO offer affordable auto insurance options for those looking for non-owner coverage.

Use our toolbox to get free car insurance quotes from the providers in your area. We also recommend using a comparison tool to compare plans.

State Farm: Best overall

State Farm received a 9.4 out of 10.0 in our comprehensive test. It features a strong staff of local agents and excellent customer service. Customers can also enjoy various discounts from State Farm, including safe vehicle discounts and defensive driving course discounts. There are also several add-ons to choose from, e.g. B. Health insurance and ride-sharing services.

GEICO: Best discounts

GEICO received a 9.1 for some of the most competitive rates in the industry and a wide variety of auto insurance discounts. Some savings you can enjoy with GEICO are the 25 percent multi-vehicle discount and the 23 percent theft discount. In addition to fully comprehensive insurance, customers can book additional coverage, from breakdown insurance to classic car insurance.

Progressive non-owner auto insurance: FAQ

Can you get car insurance if you don’t own a car?

Non-owner car insurance gives you the protection you need even if you don’t own the car you drive. Non-owner car insurance is ideal for those who regularly borrow a car from their friends or drive one from a rental company.

Can I still use non-owner car insurance after buying a car?

If you have existing non-owner car insurance, you cannot use it on a new car that you have purchased. You need to get traditional auto insurance because your non-owner insurance provider will no longer provide you with liability coverage.

Does non-owner car insurance cover rental cars?

A non-owner’s car insurance does not cover rental car damage. You can ask the rental company for additional coverage if you don’t want to pay for repairs out of pocket. Non-owner’s car insurance covers liabilities such as damage to other people’s property and personal injury.

methodology

The Detroit Bureau collects data from all major auto insurance providers to create rankings of the best insurers. Our detailed rating system takes into account market share, coverage, auto insurance rate estimates generated by Quadrant Information Services, customer satisfaction, and ratings from industry experts. Each insurer receives a weighted score across four categories and an overall score of 10.0.

We recommend auto insurance companies based on this ranking, but we also encourage you to do your own research and compare offers to find the best coverage.

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