Non-Owner Car Insurance in California
Numbers refreshed
Liability cover for drivers in California who don't own a car.
- $63.Average monthly cost for owner liability.
- 30/60/15.The minimum liability limits.
- This state ranks 14th of 51 for cost, with 1st marking the highest.
Who non-owner insurance is for
- You often drive cars that you borrow or rent, but you don't own a car.
- California asks you for an SR-22 filing (California Insurance Proof Certificate SR 22/SR 1P), and there is no car for you to insure.
- Continuous cover between cars is what you want, because a gap can increase what you pay next time.
What the policy covers
A non-owner policy provides liability coverage only. The California minimum of 30/60/15 is what it must meet.
If you cause a crash while driving a borrowed car, the policy pays other people. The policy won't repair the car you're driving, and the owner's policy usually pays first.
How much it costs
No official non-owner average is available. For car owners in California, the liability average is $760 a year. Non-owner policies usually cost less because you don't have a car in your driveway every day.
First written