How Is Allstate’s Non-Owner Car Insurance?
Last Updated on March 23, 2022
If you need car insurance but do not own a vehicle, then you may need non-owner car insurance. Allstate is one of several major insurers offering non-owner car insurance.
Keep reading to discover everything you need to know about Allstate’s non-owner car insurance and how it works.
Table of Contents:
- What Is Allstate’s Non-Owner Car Insurance?
- Who Should Buy Non-Owner Car Insurance from Allstate?
- How Much Does Allstate’s Non-Owner Car Insurance Cost?
- Factors that Impact the Cost of Allstate Non-Owner Car Insurance
- How Does Allstate’s Non-Owner Car Insurance Work?
- Does Allstate Have Good Non-Owner Car Insurance?
- How to Get a Quote for Allstate’s Non-Owner Car Insurance
What Is Allstate’s Non-Owner Car Insurance?
Allstate’s non-owner car insurance is a car insurance policy for drivers who do not own vehicles. Allstate, like many insurers, allows drivers to buy insurance even if they do not own a vehicle.
You might buy Allstate’s non-owner car insurance if you frequently rent cars, use car-sharing services, need to reinstate your license, or are filing an SR-22 / FR-44 form with the state.
Your Allstate non-owner car insurance policy works similar to a standard car insurance policy – but without the underlying vehicle. You buy liability coverage to meet or exceed the minimum limits in your state, and you get added protection when driving.
Who Should Buy Non-Owner Car Insurance from Allstate?
Allstate’s non-owner car insurance is ideal for drivers who want added insurance coverage even if they don’t own a vehicle.
Non-owner car insurance may be the right choice for:
- Anyone who rents cars regularly
- Someone who uses car-sharing services
- Someone who needs to file an SR-22 or FR-44 form
- Anyone needing to reinstate their license
- Someone who wants to maintain continuous insurance coverage between vehicles to prevent future insurance increases
In all of these situations, it may be in your best interest to buy non-owner car insurance. Non-owner car insurance protects you against certain liabilities when driving. Whether you’re looking for extra protection or simply trying to reinstate your driving privileges, Allstate’s non-owner car insurance may be the right choice for you.
How Much Does Allstate’s Non-Owner Car Insurance Cost?
Non-owner car insurance tends to be cheaper than full coverage car insurance policies. It doesn’t include collision or comprehensive coverage, which normally protects your own vehicle, because there is no vehicle on the policy.
Instead, non-owner car insurance only includes liability insurance. Some drivers buy car insurance that only meets minimum liability limits in their state, for example, which means you’re buying the cheapest possible car insurance.
The average non-owner car insurance policy from Allstate costs between $300 and $900 per year, depending on your driving history and personal risk factors.
For comparison, the average Allstate full coverage policy costs around $1,500 per year. With full coverage, you’re protecting a vehicle. With non-owner car insurance, you’re not.
Factors that Impact the Cost of Allstate Non-Owner Car Insurance
When you buy non-owner car insurance, the value of the vehicle doesn’t matter. You’re not insuring a vehicle. You’re insuring yourself.
The price of non-owner car insurance from Allstate varies based on the following factors:
Driving History: Do you have a history of safe driving? Or do you have multiple at-fault accidents and other incidents within the last few years? Your driving history is one of the biggest factors impacting the cost of non-owner car insurance.
Driving Experience: Drivers with decades of driving history pay less for car insurance than drivers with a few months of driving history.
Liability Coverage Limits: When you buy non-owner car insurance, you’re only buying liability coverage. If you only want basic car insurance, then you can reduce coverage to the minimum required limits in your state. If you want added peace of mind, then you can increase liability coverage limits – and pay higher premiums.
How Does Allstate’s Non-Owner Car Insurance Work?
Allstate’s non-owner car insurance works similar to non-owner car insurance from other major providers.
You buy non-owner car insurance to protect yourself from liability when driving a vehicle you do not own.
Non-owner car insurance includes all minimum required liability limits in your state, including bodily injury liability coverage, property damage liability coverage, and any other required coverages in your state:
- Bodily injury liability coverage
- Property damage liability coverage
- Uninsured and underinsured motorist coverage (required in some states)
- Other required coverages in your state (like personal injury protection or medical payments coverage)
Non-owner car insurance from Allstate and other providers does not cover the vehicle you are driving. There’s no collision or comprehensive coverage, for example, which would normally cover accident damages, vehicle theft, and other incidents.
Instead, non-owner car insurance is only designed to cover your liability on the road. If you injure someone when driving, damage someone else’s vehicle, or hit a pedestrian, for example, then your non-owner car insurance covers your liability.
If driving someone else’s vehicle, then your non-owner car insurance typically works as secondary insurance. The vehicle owner’s insurance covers the damages first, and your insurance could cover any additional damages. However, your non-owner insurance may be the primary insurance when renting a vehicle or using a car-sharing service.
Does Allstate Have Good Non-Owner Car Insurance?
We know that Allstate has non-owner car insurance. But how do drivers feel about Allstate’s non-owner car insurance? Does the company provide good non-owner car insurance coverage?
In the 2021 United States Auto Insurance Study from J.D. Power, Allstate received roughly average rankings. Across the country, Allstate scored 822 points on a 1,000 point scale, which was just below the national average of around 832.
Other notable names on the national rankings include USAA (863), American Family (850), State Farm (847), Liberty Mutual (836), Progressive (835), and GEICO (829). Some of these companies also offer non-owner car insurance, and they may be a better choice than Allstate.
However, car insurance coverage varies widely between regions. Allstate offers the best non-owner car insurance in some regions but not others. By comparing quotes for your region, you can get the best non-owner car insurance for your unique needs.
How to Get a Quote for Allstate’s Non-Owner Car Insurance
Allstate does not provide non-owner car insurance quotes online. You must contact the company or speak to an agent to request a quote for non-owner car insurance.
Requesting a quote from Allstate does not obligate you to buy a policy. You can request a non-owner car insurance quote from Allstate, State Farm, and other major insurers before choosing the best policy for you.
Final Word on Allstate’s Non-Owner Car Insurance
Allstate is one of several major insurers offering non-owner car insurance. Allstate’s non-owner car insurance policy works similar to other non-owner car insurance policies: you buy car insurance for added protection when borrowing or renting cars, reinstating your license, or completing an SR-22 / FR-44 form.
To learn more about Allstate’s non-owner car insurance policies or to request a quote today, contact Allstate.