How Is Progressive’s Non-Owner Car Insurance?

Last Updated on February 22, 2022

If you drive but don’t own a car, then you might want non-owner car insurance. Progressive and other major insurers offer non-owner car insurance across the United States.

Non-owner car insurance is ideal for those who borrow cars, rent cars, or use car-sharing services. Some people also buy non-owner car insurance to maintain continuous coverage or reinstate their license.

In all of these situations, Progressive’s non-owner car insurance may be the right choice for you. Keep reading to discover everything you need to know about Progressive’s non-owner car insurance and how it works.

Table of Contents:

• How Progressive’s Non-Owner Car Insurance Works
• What Does Non-Owner Car Insurance Cover?
• Does Progressive Offer Good Non-Owner Car Insurance?
• Why Buy Non-Owner Car Insurance?  

How Progressive’s Non-Owner Car Insurance Works

Progressive offers non-owner car insurance similar to the car insurance offered by other major providers. You can buy Progressive’s non-owner car insurance to cover you when driving a vehicle you do not own.

People who rent vehicles regularly may buy non-owner car insurance. Or, people who borrow cars regularly from friends and family may carry non-owner car insurance for added protection.

Progressive makes it easy to buy non-owner car insurance online. The company even has a quiz to help you get started. Depending on your needs and situation, non-owner car insurance may or may not be the right choice for you.

What Does Non-Owner Car Insurance Cover?

Non-owner car insurance includes liability coverage. Liability coverage covers medical bills, property damage costs, and other expenses you inflict upon others while driving a motor vehicle.

Most states only require drivers to carry liability coverage. However, if your state requires personal injury protection or similar coverages, then your non-owner car insurance will include that as well.

What’s Covered

Non-owner car insurance covers the following items:

Bodily Injury Liability Coverage: If you injure others in an accident, then you are liable for covering the costs of these injuries. That means you must pay medical bills, ambulance costs, rehabilitation expenses, and other costs after an accident. Bodily injury liability coverage covers these expenses. Required in most states, non-owner bodily injury liability coverage protects you from liability after an accident – even if you did not own the car you were driving.

Property Damage Liability Coverage: Property damage liability coverage covers the cost of repairing damage to other people’s property after an accident. If you damage or destroy someone’s vehicle in an accident, for example, then your property damage liability coverage covers the cost of repairing that damage. Most states require property damage liability coverage.

What is Not Covered

Non-owner car insurance does not cover your own vehicle – after all, you don’t own a vehicle. That means you cannot buy comprehensive coverage or collision coverage, both of which typically protect your own vehicle in an accident or other events.

Collision Coverage: Non-owner car insurance does not include collision coverage, which protects your own vehicle after an accident where you were at-fault. If you collided with another vehicle, for example, and were found at-fault, then your collision coverage will cover the cost of repairing damage to your own vehicle. With non-owner car insurance, however, you cannot list a specific vehicle on your policy, which means your policy will not cover collision coverage.

Comprehensive Coverage: Comprehensive coverage covers the cost of repairing your vehicle after incidents that occur outside of accidents. If you hit an animal, for example, or if your windshield is shattered by a fallen tree branch, then you can make a claim through comprehensive coverage. Comprehensive coverage also covers theft, vandalism, fire damage, and other damages outside of accidents.

What May Be Covered

Some states require personal injury protection and medical payments coverage, among other coverages. Some states also require uninsured and underinsured motorist coverage.

The following items may be covered, depending on your state and coverage options:

Medical Expenses for You and Your Passengers: Non-owner car insurance does not normally cover medical expenses for you and your passengers. However, if your state requires medical payments coverage (MedPay) or personal injury protection (PIP) coverage, then your non-owner car insurance will cover your own medical bills, up to certain limits.

Damage from Uninsured or Underinsured Motorists and Hit and Runs: Some states have high rates of uninsured and underinsured motorists. Because of these low levels, some states require you to carry uninsured or underinsured motorist coverage. This coverage protects you when the other driver has no insurance or too little insurance. It also protects you in situations where the other driver is unknown (like a hit and run).

Does Progressive Offer Good Non-Owner Car Insurance?

Progressive insures millions of drivers across the United States. Like other large insurers, Progressive has good to bad reviews across the country. Experiences differ from driver to driver and from state to state.

Generally, however, you can expect Progressive to offer average prices on non-owner car insurance policies along with average ratings for claims satisfaction and customer service.

Progressive is one of several major insurers offering non-owner car insurance. If you already have insurance with a specific company, then you may want to request a non-owner car insurance quote through that company. Or, request a quote from Progressive to compare rates and coverage options.

Why Buy Non-Owner Car Insurance?

Non-owner car insurance is ideal for some drivers but not others. If you do not own a vehicle but want added protection, then you may want to buy non-owner car insurance.

Some of the reasons to buy non-owner car insurance from Progressive include:

You Want to Maintain Continuous Car Insurance Coverage: If you sold a vehicle and didn’t immediately buy a new vehicle, then you may want to buy non-owner car insurance to maintain continuous coverage. Insurers like to see continuous car insurance coverage, and they charge cheaper rates to drivers who have not canceled or dropped their car insurance.

You Rent Cars Frequently: If you rent cars frequently, then you may want non-owner car insurance for added protection. Carrying non-owner car insurance allows you to turn down the collision damage waiver (CDW) and other insurance from the rental car agency.

You Drive Other Vehicles Regularly: If you regularly borrow vehicles from friends or family, then you may want non-owner car insurance for added protection. However, non-owner car insurance is not the right choice for drivers who frequently borrow a specific person’s vehicle. In this situation, you should be listed on the insurance policy as a named insured.

You Use a Car Sharing Service: If you use a car sharing service, then you may need to carry car insurance even if you don’t own a vehicle. Non-owner car insurance is ideal for this situation.

You Are Reinstating your License: To reinstate your license, you may need to prove you have valid insurance. If you don’t own a vehicle but still want to reinstate your license, then you may need to buy non-owner car insurance.

You Need to Submit an SR-22 or FR-44: Some states require high-risk drivers to submit SR-22 or FR-44 forms to reinstate driving privileges. If you need to submit an SR-22 or FR-44 but do not currently own a vehicle, then you may want non-owner SR-22 car insurance.

Overall, non-owner car insurance is ideal for people in different situations. It allows you to buy car insurance even if you don’t own a vehicle.

However, non-owner car insurance is not ideal for all situations. It does not allow you to drive a vehicle that does not have insurance, for example. Instead, your non-owner car insurance acts as secondary insurance on top of the primary insurance (carried by the vehicle’s owner).

Final Word – Non-Owner Car Insurance from Progressive

Non-owner car insurance can be complicated. Complete the quiz on Progressive’s website to determine if it’s the right choice for you.

Generally, Progressive is known for offering competitive prices on car insurance while providing average claims satisfaction and customer service scores. Overall, Progressive’s non-owner car insurance works similar to the non-owner car insurance provided by other major insurers in the United States.