How Is State Farm’s Non-Owner Car Insurance?
Last Updated on June 9, 2023
State Farm is the largest car insurance company in the United States. You can buy non-owner car insurance through State Farm in all states.
State Farm’s non-owner car insurance protects you when driving a vehicle owned by someone else. It includes liability protection and other required coverages in your state, up to a certain limit.
How is State Farm’s non-owner car insurance? Should you buy non-owner car insurance through State Farm? Keep reading to discover if State Farm’s non-owner car insurance is right for you.
Table of Contents:
- How Does State Farm’s Non-Owner Car Insurance Work?
- What’s Included with State Farm’s Non-Owner Car Insurance?
- Does State Farm Have Good Non-Owner Car Insurance?
- Who Should Buy Non-Owner Car Insurance from State Farm?
- Reasons to Buy Non-Owner Car Insurance from State Farm
- How Much Does State Farm Non-Owner Car Insurance Cost?
How Does State Farm’s Non-Owner Car Insurance Work?
State Farm offers non-owner car insurance across the United States. It works like non-owner car insurance policies from other providers.
You buy non-owner car insurance if you want insurance but do not own a vehicle. You might buy State Farm’s non-owner car insurance if you rent cars regularly, borrow cars from friends or family, or use a car-sharing service.
What’s Included with State Farm’s Non-Owner Car Insurance?
State Farm’s non-owner car insurance includes liability coverage and other required coverages in your state. You can buy minimum liability coverage to meet limits in your state. Or, you can add extra coverage for added peace of mind.
Here’s what is included with a typical State Farm non-owner car insurance policy:
Bodily Injury Liability Coverage: Bodily injury liability coverage covers medical bills you cause others to incur as a result of your driving. If you crash into another vehicle, for example, and the other driver needs medical attention, then your bodily injury liability coverage covers these costs.
Property Damage Liability Coverage: Property damage liability coverage covers damage you cause to other property when driving. If you collide with someone’s house when driving, for example, or back into someone in a parking lot, then your property damage liability coverage will cover the cost of repairing that damage.
Uninsured and Underinsured Motorist Coverage: Some states require drivers to carry uninsured and underinsured motorist coverage. These coverages protect you against drivers without insurance and drivers with too little insurance. If your state requires uninsured and underinsured motorist coverage, then your State Farm non-owner car insurance policy could include these coverages.
Other Required Coverage Options: Some states require personal injury protection, medical payments coverage, and other coverage options. If your state requires other coverages, then your non-owner car insurance will include these coverages.
Does State Farm Have Good Non-Owner Car Insurance?
State Farm is one of several major providers in the United States offering non-owner car insurance. Does State Farm offer good non-owner car insurance?
J.D. Power ranks car insurance companies across the United States based on customer satisfaction, claims satisfaction, and other metrics. According to the 2021 United States Auto Insurance Study from J.D. Power, State Farm was around average compared to other providers in the country.
State Farm scored 838 on a 1,000-point scale, placing them just below the average of 840. That means State Farm provides roughly average car insurance satisfaction compared to other providers of its size.
State Farm is America’s largest car insurance company, and rates and coverage vary between states. Generally, State Farm is known for offering some of the cheapest car insurance policies in the United States. In some states, State Farm’s non-owner car insurance policies will be the best option. In other states, another provider may offer better coverage.
Who Should Buy Non-Owner Car Insurance from State Farm?
Non-owner car insurance is the best choice for certain drivers in certain situations.
Some of the people who could buy a non-owner car insurance policy from State Farm include:
- Drivers who rent cars frequently and want to avoid buying additional coverage through the rental car company
- Drivers who regularly use car-sharing services (many of which require insurance coverage)
- Drivers who need to reinstate their license with the DMV or submit an SR-22 or FR-44 form
- Drivers who want to prevent future premium increases by maintaining continuous insurance coverage between vehicles
- Drivers who borrow cars from friends or family occasionally and want added protection
Non-owner car insurance is not the best choice for drivers who regularly borrow cars from a specific friend or family member. In this situation, you should be listed on your friend’s car insurance policy as a named insured. Otherwise, the insurer could deny your claim.
Reasons to Buy Non-Owner Car Insurance from State Farm
Some of the reasons to buy non-owner car insurance from State Farm and other providers include:
You Rent Cars Regularly But Don’t Own a Vehicle: If you frequently rent cars but don’t own a vehicle, then you may need non-owner car insurance. Non-owner car insurance extends to your rental car, giving you added protection when driving.
You Use Car Sharing Services: Car sharing services like Zipcar may require car insurance to drive. If you use Zipcar but don’t own a vehicle, then you may need non-owner car insurance.
Drivers Who Need to Reinstate a License or Submit SR-22 / FR-44 Forms: Some states require drivers to submit proof of insurance to reinstate driving privileges. If you need to submit an SR-22 or FR-44 form to reinstate driving privileges, for example, but do not own a vehicle, then you may need to buy a non-owner car insurance policy. To learn more about State Farm’s SR-22 coverage, click here.
You Want to Maintain Continuous Insurance Coverage: Insurance companies charge lower premiums to drivers who maintain continuous insurance coverage. If you recently sold a vehicle, for example, and are planning to buy a new one, then you might keep non-owner car insurance to avoid higher insurance premiums in the future.
You Want Added Protection When Borrowing Someone’s Vehicle: When borrowing someone’s vehicle, you may want to buy added insurance. Non-owner car insurance functions like secondary insurance, while the vehicle owner’s insurance functions as primary insurance. Non-owner car insurance is only ideal if you occasionally borrow vehicles from multiple people. It’s not designed to cover you when borrowing one vehicle from one person. In fact, you may need to be listed on a roommate, friend, or family member’s policy if you drive their vehicle regularly.
How Much Does State Farm Non-Owner Car Insurance Cost?
State Farm is known for affordable car insurance premiums. On average, you can expect to pay $300 to $700 per year for State Farm’s non-owner car insurance policy.
Because non-owner car insurance policies have no comprehensive or collision coverage, you can save hundreds per year over a full coverage car insurance policy.
Final Word: Get a State Farm Non-Owner Car Insurance Quote Today
State Farm does not offer online quotes for non-owner car insurance. Instead, you need to contact State Farm or an agent to buy non-owner car insurance.
To buy non-owner car insurance from State Farm, visit the official website or contact the company today.