How Is Farmers’ Non-Owner Car Insurance?

Last Updated on June 7, 2022

Farmers Insurance offers non-owner car insurance to protect you when driving someone else’s vehicle.

If you regularly rent vehicles, or if you need to buy insurance to reinstate your license, then Farmers’ non-owner car insurance may be the right choice for you.

How is Farmers’ non-owner car insurance? Should you buy non-owner car insurance with Farmers? Keep reading to discover everything you need to know about Farmers’ non-owner car insurance and how it works.

Table of Contents:

How Farmers’ Non-Owner Car Insurance Works

Farmers offers non-owner car insurance to drivers who drive but do not own a vehicle.

Non-owner car insurance is secondary coverage. It provides a secondary layer of protection above primary coverage. Any vehicle you drive should have primary coverage, and your non-owner car insurance provides additional coverage to protect you.

Farmers, like many insurance companies, offers non-owner car insurance. You buy this coverage for added protection while driving a vehicle you do not own – like a friend’s vehicle, a rental vehicle, or a vehicle you drive through a car-sharing service.

What Does Farmers’ Non-Owner Car Insurance Cover?

Farmers’ non-owner car insurance covers similar things to other non-owner car insurance policies.

You can customize coverage and limits, but most policies cover:

Bodily Injury Liability Coverage: Bodily injury liability coverage covers medical bills and other expenses after an accident. Most states require this coverage. If you injure someone else while driving, then your bodily injury liability coverage would cover your liability.

Property Damage Liability Coverage: Property damage liability coverage covers the cost of repairing someone else’s vehicle or other property after an accident where you were at-fault. If you crashed through a neighbor’s fence, for example, then your property damage liability coverage would cover the cost of repairing this damage.

Personal Injury Protection (PIP): Also known as no-fault insurance, personal injury protection covers medical expenses, lost wages, and other costs after an accident. 13 states in America are no-fault insurance states, and many of these states require personal injury protection.

Medical Payments Coverage (MedPay): Medical payments coverage, or MedPay, functions similar to health insurance. It covers certain medical expenses after an accident. It’s optional in virtually all states, but Farmers’ may allow you to add medical payments coverage to your non-owner car insurance policy for added protection.

Uninsured and Underinsured Motorist Coverage: 1 in 7 motorists in the United States are uninsured. Millions more are underinsured. Some drivers carry uninsured and underinsured motorist coverage for added protection. It protects you against damage caused by drivers with too little insurance – or drivers with no insurance whatsoever. Some states require you to carry uninsured and underinsured motorist coverage. Whether it’s optional or mandatory, Farmers’ allows you to add uninsured and underinsured motorist coverage to your non-owner car insurance policy for added protection.

Who Should Buy Farmers’ Non-Owner Car Insurance?

Farmers’ non-owner car insurance is the right choice for some drivers in some situations but not others.

If you regularly borrow a specific friend’s vehicle, for example, then non-owner car insurance is not the right choice; instead, you should be listed on your friend’s policy.

However, if you rent vehicles or use a car-sharing service and want added protection, then Farmers’ non-owner car insurance may be the right choice.

People Who Rent Cars Regularly: When you rent a car, your ordinary car insurance policy typically extends to the rental vehicle. However, if you don’t own a car, then you may not have adequate coverage. Some drivers buy non-owner car insurance for added protection when renting a vehicle.

People Who Use Car Sharing Services: Many people use car-sharing services instead of owning a vehicle. However, you still need insurance. Non-owner car insurance is ideal for drivers who use car-sharing services.

People With SR-22 or FR-44 Requirements: If you need to file an SR-22 or FR-44 certificate to reinstate your driving privileges, then you may need to buy a non-owner car insurance policy. You cannot buy car insurance for a specific vehicle you own, but you need to buy insurance to reinstate your license. Farmers’ non-owner car insurance could be ideal.

People Who Need Insurance to Reinstate Their License or Driving Privileges: If you need car insurance to reinstate your license, then a non-owner policy could be the right choice. If you recently totaled your vehicle in a loss, for example, but want to reinstate your license, then you might buy Farmers’ non-owner car insurance policy.

Anyone Who Wants to Maintain Continuous Car Insurance Coverage: Insurance companies like customers who maintain continuous car insurance coverage. You’ll pay lower rates. If you’re between vehicles, then you may be unable to buy a standard car insurance policy to maintain continuous coverage, but you can still buy a non-owner car insurance policy.

Who Should Not Buy Farmers’ Non-Owner Car Insurance?

Farmers’ non-owner car insurance is not ideal for all drivers in all situations. It’s not the right choice for drivers who regularly borrow a specific friend’s vehicle, for example, nor is it the right choice if you borrow a vehicle from your own household.

Here are situations where you should not buy Farmers’ non-owner car insurance:

Someone Who Borrows Another Person’s Vehicle Regularly: If you borrow a friend’s vehicle regularly, then you should be listed on that friend’s auto insurance policy as a named insured driver. Non-owner car insurance is not ideal for these situations, and insurance could deny your claim if you drive a specific vehicle regularly.

Someone Who Drives a Vehicle from the Same Household: Most non-owner car insurance policies prohibit you from driving a vehicle from the same household. If your roommate owns a vehicle, for example, then you cannot buy non-owner car insurance to drive that vehicle; instead, you should be listed as a named insured driver on any vehicles in your household you intend to drive (and most insurance companies require this listing).

Someone Who Drives a Vehicle They Own: Understandably, you cannot use non-owner car insurance to drive a vehicle you own. If you own a vehicle and plan to drive it, then you need standard car insurance for that vehicle.

How Much Does Farmers’ Non-Owner Car Insurance Cost?

The average Farmers’ non-owner car insurance policy, according to our research, costs $275 to $725 per year.

Costs vary widely based on your location and driving history. Someone with a clean record who lives in a state with cheap car insurance could pay just a few hundred dollars for non-owner car insurance, while drivers with a complicated driving record could pay over $1,000.

Farmers calculates pricing based on:

  • Age
  • Gender
  • Driving history
  • Credit score
  • Location (including state, city, and ZIP code)

Farmers does not provide upfront quotes for non-owner car insurance online. You must contact the company to request a quote for non-owner car insurance.

Farmers Non-Owner Car Insurance Reviews: What Do Drivers Say?

According to the 2021 J.D. Power auto insurance study, Farmers received below-average ratings in all subregions for overall customer satisfaction. That means Farmers performed poorly compared to other major car insurance companies for claims satisfaction, pricing, and overall customer experience.

J.D. Power compiles its rankings by polling policyholders who have recently made a claim. A low J.D. Power ranking indicates more customers are unsatisfied with Farmers’ handling of the claim or overall process for any reason.

However, Farmers was still one of the largest car insurance companies in most subregions of the United States, which means thousands of drivers are satisfied with their Farmers’ non-owner car insurance policy.

Final Word – Farmers Non-Owner Car Insurance

Farmers offers non-owner car insurance throughout the United States. You can buy non-owner car insurance for added protection when driving a vehicle you do not own.

To learn more about Farmers’ non-owner car insurance or to request a quote today, contact a Farmers agent.

James Shaffer
James Shaffer James Shaffer is a writer for InsurancePanda.com and a well-seasoned auto insurance industry veteran. He has a deep knowledge of insurance rules and regulations and is passionate about helping drivers save money on auto insurance. He is responsible for researching and writing about anything auto insurance-related. He holds a bachelor's degree from Bentley University and his work has been quoted by NBC News, CNN, and The Washington Post.
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