How Is GEICO’s Non-Owner Car Insurance?
Last Updated on February 7, 2022
GEICO is America’s second-largest car insurance company. Today, the company offers non-owner car insurance across the United States.
Non-owner car insurance is ideal for those who rent cars regularly, use car-sharing services, or occasionally use friends’ vehicles. You may also need non-owner car insurance to reinstate your license.
How does GEICO’s non-owner car insurance work? How much does it cost? Should you buy non-owner car insurance through GEICO? Keep reading to discover everything you need to know about GEICO’s non-owner car insurance coverage.
Table of Contents:
- What Is Non-Owner Car Insurance?
- Does GEICO Offer Non-Owner Car Insurance?
- When to Buy Non-Owner Car Insurance with GEICO
- How Does GEICO’s Non-Owner Car Insurance Work?
- What’s Covered by GEICO’s Non-Owner Car Insurance?
- What Else May Be Covered by GEICO’s Non-Owner Car Insurance?
- Non-Owner Car Insurance Doesn’t Include Collision or Comprehensive Coverage
- How Is GEICO’s Non-Owner Car Insurance?
What Is Non-Owner Car Insurance?
Non-owner car insurance is just what it sounds like: it’s car insurance for people who do not own a vehicle but still need coverage.
Let’s say you live in the city. You bike or walk to work. You don’t own a vehicle. However, when you leave the city or go on vacation, you rent a vehicle. Instead of buying supplemental insurance from the rental car agency, you carry non-owner car insurance.
Non-owner car insurance covers minimum insurance requirements in your state. It includes liability coverage, allowing you to legally drive while meeting the state’s minimum limits. Most non-owner car insurance includes bodily injury and property damage liability coverage.
Does GEICO Offer Non-Owner Car Insurance?
Yes, GEICO offers non-owner car insurance in every state in America. You do not need to be a current GEICO customer to qualify for GEICO’s non-owner car insurance.
To check rates on GEICO’s non-owner car insurance, submit a quote request online. GEICO will use your age, gender, and other factors to determine your insurance rates. If you like the rates provided by GEICO compared to other providers, then you can complete the quote and buy non-owner car insurance through GEICO.
When to Buy Non-Owner Car Insurance with GEICO
You should buy non-owner car insurance with GEICO if you:
- Rent cars regularly (if you already have liability insurance with GEICO, your policy should extend to cover cars you rent)
- Frequently use car-sharing services
- Need to reinstate your license or submit SR-22/FR-44 forms
- Need to maintain continuous coverage to avoid higher insurance premiums
- Borrow cars from multiple friends or family members
You should not buy non-owner car insurance if you frequently borrow a specific person’s vehicle. In this case, you should be listed on that person’s insurance policy as a named insured. Otherwise, insurers could deny your claim. In fact, if you have a roommate, then your roommate’s insurer may require you to be listed on the policy as a named insured. Otherwise, you are ineligible to drive the vehicle and the insurer could deny future claims.
How Does GEICO’s Non-Owner Car Insurance Work?
GEICO’s non-owner car insurance works similarly to other non-owner car insurance policies from other providers.
Here’s the basic process for buying and using non-owner car insurance with GEICO:
- You request a quote online. If you like the price of GEICO’s non-owner insurance, then you proceed with the rest of the quote. You complete the form with your name, license number, and other identifying information.
- The insurer assigns a quote based on your perceived risk factor. Experienced drivers with zero accidents will pay less for car insurance than inexperienced drivers with multiple infractions.
- Because you don’t own a vehicle, non-owner car insurance does not cover the vehicle you are driving. It only covers your liability.
- Non-owner car insurance functions as secondary insurance. If you are driving a friend’s vehicle, for example, then your friend’s insurance is the primary insurance. Your non-owner car insurance is secondary insurance, and it may cover any additional expenses beyond primary insurance.
- If you need to make a claim, then you contact GEICO and proceed with the claim as you normally would. GEICO will cover certain damages up to the limits of your non-owner car insurance policy.
In other words, non-owner car insurance works similar to ordinary car insurance – just without requiring you to own a car or insure a specific vehicle.
What’s Covered by GEICO’s Non-Owner Car Insurance?
Non-owner car insurance is designed to meet minimum insurance requirements in your state, including liability coverage and other required coverages. Some drivers exceed these minimum liability coverage limits, while other drivers meet them.
Typically, GEICO’s non-owner car insurance covers bodily injury and property damage liability coverages:
Bodily Injury Liability Coverage: Required in most states, bodily injury liability coverage covers damages you inflict to other people, pedestrians, passengers, and drivers when operating a motor vehicle. It does not cover damage you cause to yourself or your own passengers when driving. States require anywhere from $25,000 to $100,000 of bodily injury liability coverage.
Property Damage Liability Coverage: Also required in most states, property damage liability coverage covers damage to other vehicles and property after an accident. If you caused an accident and were at fault, for example, then the other driver can make a claim through your property damage liability coverage, and your insurance will cover the cost of repairing the vehicle to pre-loss condition (or replacing the vehicle entirely, as is the case with a total loss insurance claim).
What Else May Be Covered by GEICO’s Non-Owner Car Insurance?
States have different insurance laws. Some states require medical payments coverage (MedPay), for example, while others require uninsured motorist coverage.
Your non-owner car insurance will (at least) match the minimum required insurance coverages for your state, which may include:
Medical Payments (MedPay) Coverage: Required in some states, medical payments coverage covers certain medical expenses for you and your passengers after an accident.
Personal Injury Protection (PIP): Similar to MedPay, personal injury protection covers medical expenses for you and your passengers after an accident. Most no-fault states require personal injury protection. If your state requires personal injury protection, then your non-owner car insurance will include PIP coverage.
Uninsured or Underinsured Motorist Coverage: Some states have very high rates of uninsured motorists. Other states have low insurance coverage limits, which means most drivers are underinsured. If you live in a state with high rates of uninsured drivers, then your state may require uninsured or underinsured motorist coverage. Your non-owner car insurance policy will include this coverage if required in your state.
Non-Owner Car Insurance Doesn’t Include Collision or Comprehensive Coverage
Your GEICO non-owner car insurance policy will not include full coverage car insurance, which consists of collision and comprehensive coverage. Optional in all states, collision and comprehensive coverage cover damage to your own vehicle after an accident or other event.
If you have non-owner car insurance, then you will not be able to purchase collision or comprehensive coverage. These coverages are priced based on the value of your vehicle. Because you don’t have a vehicle, you cannot buy collision or comprehensive coverage.
Collision Coverage: Collision coverage covers the cost of repairing your own vehicle after an accident. It can cover the cost of repairing or replacing your vehicle after an accident, for example.
Comprehensive Coverage: Comprehensive coverage covers damage to your vehicle that occurs outside of accidents. It covers theft, vandalism, fire damage, flood damage, collisions with animals, and other damages that may occur to your vehicle that do not involve other vehicles.
How Is GEICO’s Non-Owner Car Insurance?
GEICO insures more drivers in the United States than all other companies but one (State Farm). As America’s second-largest insurer, GEICO insures millions of drivers across the United States.
Today, GEICO has a reputation for offering cheap rates on car insurance with average to good ratings for customer service and claims satisfaction.
If you buy non-owner car insurance through GEICO, then you can expect a cheap insurance policy backed with average to good claims satisfaction.
Final Word on GEICO’s Non-Owner Car Insurance
GEICO, like many major insurers, offers non-owner car insurance across the United States. You can buy non-owner car insurance through GEICO if you need insurance coverage without owning a vehicle.
To learn more about GEICO’s non-owner car insurance or to discover how much it costs, request a quote through GEICO today.