Cheapest Non-Owner Car Insurance In Texas 2024

As someone who lived in Texas for 16 years, I know firsthand how hard it can be to afford owning and insuring a car there. Many Texans now choose to share a vehicle or rent one when needed. Non-owner car insurance offers both financial protection and peace of mind for people who drive vehicles that they don’t own.

With 15 years of experience as a licensed insurance agent and over 35 years as a car insurance customer, I’m familiar with the companies discussed here. While they are all reputable, each offers unique benefits for drivers in Texas.

What Is Non-Owner Car Insurance?

If you regularly find yourself driving a vehicle that isn’t yours—like a rental car or one borrowed from friends or family—consider getting non-owner car insurance.

This insurance primarily offers liability coverage. If you’re at fault in an accident while driving someone else’s vehicle, your non-owner policy can cover the medical and repair costs for the other party involved.

Some insurance companies may provide additional options, such as uninsured/underinsured motorist protection and personal injury protection.

However, it’s crucial to note that non-owner insurance typically does not include comprehensive or collision coverage. This means that any damage to the vehicle you’re driving may not be covered.

For those who often rent cars or borrow vehicles, non-owner car insurance can be beneficial. It provides an added layer of security in addition to whatever coverage the vehicle’s owner may have.

In many cases, it can be more cost-effective than consistently opting for rental company insurance.

Moreover, maintaining a non-owner policy can help you achieve continuous insurance coverage, potentially leading to lower premiums if you choose to buy a vehicle in the future.

Average Cost Of Non-Owner Car Insurance In Texas

The landscape of non-owner car insurance can be quite intricate, with many providers and a range of rates. It’s essential to make an informed choice while considering the costs involved.

To aid you, we have developed a comparison chart that outlines the average costs of non-owner car insurance from five leading companies.

How Much Is Non-Owner Car Insurance In Texas – By Age?

Non-owner car insurance pricing follows a similar pattern to full coverage rates, peaking for teen drivers and gradually declining each year until age 55.

Below are sample rates for non-owner car insurance in Texas across ten different ages.

What Is SR-22 Insurance?

An SR-22 isn’t an insurance policy but rather a document that indicates vehicle liability insurance required by most state DMVs for “high-risk” insurance policies.

This form is submitted by your insurance provider and acts as proof that you meet the minimum required liability insurance coverage for your state.

It’s often required for drivers whose licenses have been suspended due to traffic violations, DUIs, or other serious offenses.

The SR-22 serves as a certificate of financial responsibility, confirming that the driver has the necessary auto liability insurance coverage. Its main purpose is to ensure that individuals are maintaining the required level of liability coverage.

This document is typically mandated by the state or through court orders, particularly for those classified as high-risk drivers. The insurance company files the SR-22 with the state, and they are obligated to notify the state if the policy lapses.

Average Cost Of Non-Owner Car Insurance In Texas – By City

Here are the fee examples for 5 smaller Texas towns.

How Much Is Non-Owner Car Insurance In Texas’s 10 Biggest Cities?

The size of a city is a critical factor in how car insurance rates are set. Cities with larger populations and heavier traffic often have higher premiums.

How Non-Owner Insurance Rates In Texas Compare To Rates In Other States

Texas’ typical yearly non-owner car insurance rate is $410, falling over the national average of $353. Rates in the 12 most populated states:

Should You Get Non-Owner Car Insurance In Texas?

Non-owner car insurance is a type of auto insurance specifically for people who do not own a car but still drive occasionally. This coverage provides liability protection in the event that you cause an accident while driving a borrowed or rented vehicle.

In Texas, various groups of individuals should think about getting non-owner car insurance.

Frequent Renters And Borrowers

If renting vehicles or borrowing cars from friends and family is a regular occurrence for you, consider non-owner car insurance. Rental companies do provide their own insurance, but these options can be expensive if you rent often.

Additionally, while the owner’s insurance may cover some accidents, having your own policy ensures you’re protected without raising the owner’s premium.

Public Transport Commuters With Occasional Driving Needs

Numerous residents in Texas use public transportation or rideshare services for their daily commutes, driving only occasionally. You might fit into this category if you live in an urban area with strong public transit options or if you prefer biking or walking whenever possible.

However, there are times when driving is unavoidable. In those situations, having non-owner insurance provides the financial coverage you need.

Individuals Trying To Maintain Continuous Coverage

Insurance companies generally view drivers without consistent coverage as high-risk, which can lead to increased premiums when you decide to buy a car. If you’ve sold your vehicle and expect to be without one for a while, a non-owner policy helps you maintain continuous coverage, preserving your insurance record. This can be particularly beneficial when you eventually decide to purchase a vehicle.

Minimum Car Insurance Requirements In Texas

According to the Texas Department Of Insurance, you must have the following coverage:

• $30,000 in liability coverage per injured person
• $60,000 coverage per accident
• $25,000 for property damage coverage per accident.

This basic coverage is called 30/60/25.

What Does Non-Owner Car Insurance Cover?

A non-owner car insurance policy primarily focuses on providing liability coverage, which pays for bodily injuries or property damage you may cause to others in an accident. It’s important to keep in mind that this policy won’t cover damages to the vehicle you’re driving; that falls under the owner’s insurance policy.

Additionally, some non-owner policies may offer optional medical payments or personal injury protection (PIP), which can assist with your medical expenses after an accident, regardless of fault. You may also opt for uninsured/underinsured motorist protection to ensure you’re covered if involved in a collision with a driver lacking adequate insurance.

However, keep in mind that non-owner car insurance does not include comprehensive or collision coverage, meaning damages to the vehicle from theft, vandalism, or accidents are typically not covered.