Non-Owner Car Insurance in Texas
Numbers refreshed
Texas drivers who don't own a car can get liability cover.
- $74.is the monthly average for owner liability.
- Minimum liability limits: 30/60/25.
- Cost ranking among 51 states: 6th (1st = highest).
Who non-owner insurance suits
- You often drive cars that you borrow or rent, but you don't own one.
- When Texas asks for an SR-22 filing, you don't have a car to insure.
- You don't want your cover to have a gap between cars, since that can raise the next price.
What does it cover?
A non-owner policy only covers liability. The minimum in Texas is 30/60/25, and it must meet that limit.
If you cause a crash in a borrowed car, it pays other people. It won't repair the car you drive; usually, the owner's policy pays first.
How much does it cost?
No official average exists for non-owner policies. For Texas car owners, the average annual liability cost is $893. Non-owner policies usually cost less because you don't have a car parked in your driveway daily.
First written