How Is Farmers’ Non-Owner Car Insurance?
Last Updated on February 5, 2026
Farmers Insurance may offer a non-owner car insurance policy designed for drivers who regularly drive but don’t own a vehicle.
This type of policy is most useful if you borrow cars occasionally, rent vehicles frequently, use some car-sharing services, or need proof of insurance (like an SR-22 or FR-44) to reinstate driving privileges—even though you don’t have a car to insure.
Below is a practical, updated breakdown of how Farmers non-owner insurance typically works, what it covers (and doesn’t), who it’s for, and how to shop for it.
- Built For Drivers Without Cars: Non-owner insurance is designed for people who drive but don’t own a vehicle, helping cover liability when borrowing or renting.
- Mostly Liability Coverage: These policies usually focus on bodily injury and property damage you cause—damage to the car you’re driving is typically not included.
- Great For Reinstatement Filings: If you need an SR-22 or FR-44 but don’t own a car, a non-owner policy may help you meet proof-of-insurance requirements.
- Eligibility Depends on Access: Regular access to a household vehicle or frequently driving the same car can make a non-owner policy a poor fit—ask the agent how the insurer defines “regular use.”
- How Farmers Non-Owner Car Insurance Works
- What Farmers Non-Owner Car Insurance Covers
- Who Should Consider Farmers Non-Owner Car Insurance?
- Who Should Skip Farmers Non-Owner Car Insurance?
- How Much Does Farmers Non-Owner Car Insurance Cost?
- Farmers Non-Owner Car Insurance Reviews and Ratings
- How To Get a Farmers Non-Owner Insurance Quote
- Final Word: Farmers Non-Owner Car Insurance
- FAQs on Farmers Non-Owner Car Insurance
How Farmers Non-Owner Car Insurance Works
A non-owner car insurance policy is generally built around liability coverage for drivers who don’t own a vehicle but still get behind the wheel.
In many borrowed-car situations, the vehicle owner’s insurance pays first because it’s attached to the car. Non-owner insurance may then help as an “extra layer” if you’re found legally responsible and the owner’s limits aren’t enough (or if you don’t have access to the owner’s coverage for some reason). Exact claim handling depends on state rules and the policies involved.
Farmers non-owner coverage is typically intended for situations like driving a car you don’t own—for example, a friend’s car you borrow occasionally, some rental situations, or certain car-sharing setups.
Quick tip: Non-owner policies are usually focused on liability. If you’re renting a car and want protection for damage to the rental vehicle itself, you may still need the rental company’s damage waiver or another source of physical-damage coverage.
What Farmers Non-Owner Car Insurance Covers
Coverage options and availability vary by state and underwriting rules, but non-owner policies commonly mirror the liability-related parts of a standard auto policy.
| Coverage Type | What It Can Pay For | Notes |
|---|---|---|
| Bodily Injury Liability | Injuries to others when you’re at fault (medical bills, lost wages, legal costs) | Required in most states; you pick limits based on your risk and state minimums. |
| Property Damage Liability | Damage you cause to someone else’s vehicle or property (fence, building, etc.) | Often the core reason people buy non-owner coverage. |
| Personal Injury Protection (PIP) | Medical costs (and sometimes lost wages) for you/your passengers in no-fault states | Only applies in certain states; rules vary widely by state. |
| Medical Payments (MedPay) | Medical bills for you/your passengers regardless of fault (where offered) | Often optional; can help with deductibles/copays depending on your health coverage. |
| Uninsured/Underinsured Motorist | Protection if you’re hit by a driver with too little (or no) liability coverage | Uninsured driving remains common (for context, see uninsured driver rates by state and our guide on whether you need UM/UIM). |
Important: Exact coverages, endorsements, and limits are state-specific. Non-owner policies are also typically intended for occasional driving—not regular access to a specific car.
What Non-Owner Insurance Usually Does Not Cover
Most non-owner policies are not built to cover the vehicle you’re driving. That means you generally should not expect comprehensive/collision-type protection for the borrowed or rented car itself. If you need that kind of protection, you’ll usually need it through the vehicle owner’s policy, the rental company, or another source.
- Damage to the car you’re driving (often handled by the owner’s policy or rental agreement)
- Regular access to a household vehicle (many insurers require household drivers to be listed on the household policy)
- Business/commercial driving (varies—rideshare/delivery often needs special coverage)
- Cars you own (you’d need a standard policy for your own vehicle)
Who Should Consider Farmers Non-Owner Car Insurance?
Farmers non-owner insurance can make sense when you need consistent liability protection but don’t have a car to insure.
| Situation | Why a Non-Owner Policy Can Help | What to Watch For |
|---|---|---|
| Car rentals | If you rent often, a non-owner policy may provide liability coverage instead of buying the rental company’s liability plan each time. | Rental damage to the car itself is a separate issue—review your rental agreement carefully. See our guide on insurance and rental cars. |
| Occasional borrowing | Provides liability protection when you borrow cars intermittently. | If you routinely borrow the same car, you may need to be added to that policy instead. See our explainer on borrowing a friend’s car. |
| License reinstatement (SR-22/FR-44) | Lets you show proof of insurance even without owning a car. | State filing rules and required limits vary. Farmers may be able to help with an SR-22 or, where required, an FR-44. |
| Between vehicles | Helps avoid an insurance lapse so you can keep a history of coverage. | Continuous coverage can affect pricing later; see how insurers treat continuous auto coverage. |
Who Should Skip Farmers Non-Owner Car Insurance?
Non-owner coverage is not a one-size-fits-all solution. These are common situations where it’s usually not the right fit.
- You regularly drive the same person’s car: You’re often better off being added to that policy as a listed driver. If appropriate, you may be added as a named insured driver or another listed-driver status depending on the insurer.
- You have access to a household vehicle: If you live with someone who owns a car (like a roommate), many insurers expect household members who drive to be listed on the household policy.
- You own a vehicle (or are about to buy one): Non-owner insurance generally won’t cover a car titled/registered to you—get a standard policy instead.
Quick tip: If you’re unsure whether you have “regular access” to a vehicle, ask the agent how the company defines it. This detail can affect eligibility and claims.
How Much Does Farmers Non-Owner Car Insurance Cost?
Non-owner insurance is often cheaper than standard auto insurance, but pricing varies a lot based on state rules, your driving history, and whether you’re considered high-risk.
Published market estimates don’t all match because they use different driver profiles and methods. For example, Business Insider (citing Insurance.com rate data) has reported an example average around $41/month ($494/year) for Farmers non-owner coverage, while other sources show broader ranges across insurers and drivers. Always treat published numbers as a starting point—not a guarantee.
Rates are commonly affected by:
- Age and driving experience
- Driving history (tickets, accidents, suspensions)
- Prior insurance history (including lapses)
- ZIP code/state (claim trends, minimum limits, local costs)
- Insurance-based credit score (where permitted by state law)
If you have a clean driving record, you’re more likely to qualify for better pricing than someone shopping with a recent suspension, DUI, or SR-22 requirement.
Farmers Non-Owner Car Insurance Reviews and Ratings
Because non-owner insurance is a niche product, most “reviews” reflect overall auto-insurance experience—billing, service, claims handling, and perceived value.
For a big-picture benchmark, J.D. Power’s 2025 U.S. Auto Insurance Study measures customer satisfaction across several dimensions (including trust, price for coverage, claims experience, and service). Results vary by region, so it’s worth comparing insurers in your area—not just nationally.
From a financial-strength standpoint, AM Best affirmed an A (Excellent) Financial Strength Rating for members of the Farmers Insurance Group in 2025, signaling a strong ability to meet ongoing insurance obligations (see AM Best’s announcement here).
How To Get a Farmers Non-Owner Insurance Quote
Non-owner insurance eligibility can be more state-specific than standard auto insurance, so quoting often requires an agent conversation. Be prepared to share how often you drive, where you drive, whether you have regular access to any household vehicles, and whether you need a state filing (SR-22/FR-44).
If you need help reaching the company, start with our Farmers contact guide to find the right phone numbers and support options.
Final Word: Farmers Non-Owner Car Insurance
Farmers non-owner car insurance can be a smart way to maintain liability protection when you drive but don’t own a vehicle—especially if you rent cars frequently, are between vehicles, or need proof of insurance for reinstatement. Just make sure you understand the key limitation: non-owner policies typically protect your liability, not the car you’re driving.
Coverage rules vary by state, so confirm eligibility (especially household access rules) and choose limits that match your financial risk—not just the state minimums.
