Non-Owner Car Insurance in New Jersey
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Liability protection for New Jersey drivers who don't own a car.
- $94.average owner liability per month.
- 35/70/25.minimum limits on liability.
- It's the 7th most expensive of 51 states, and 1st = highest.
Who non-owner insurance suits
- You often drive cars that are borrowed or rented, but you don't own one.
- You have no car to insure, and a court or the state wants proof of insurance from you.
- You want no gap in cover between cars, since such a gap can push the next price up.
What the policy covers
A non-owner policy covers liability only. It must meet 35/70/25, which is the New Jersey minimum.
The policy pays other people for a crash you cause in a car you borrowed. It won't fix damage to the car you're driving, and the owner's policy pays first in most cases.
How much it costs
There's no official average for non-owner policies. In New Jersey, car owners pay a liability average of $1,133 a year. Non-owner policies usually come in under that, since you don't keep a car in your driveway daily.
More on insurance for cars in New Jersey
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