Auto · Updated September 2026
A non-owner auto policy provides liability coverage when you drive a vehicle you do not own. It follows you rather than a car, and it covers injuries and property damage you cause to other people.
It generally does not include collision or comprehensive, because there is no vehicle of yours to repair, and it does not cover a car that is available to you regularly — the household car you drive every day belongs on that car's policy.
Drivers with an SR-22 requirement who do not own a vehicle. This is the most common reason. The state requires proof of liability coverage; the non-owner policy provides it, and we file the SR-22 against it.
People who regularly borrow or rent cars. It covers you above the rental company's minimum and can save the daily charge for their liability product.
People between vehicles. Selling a car and not replacing it immediately creates a coverage gap, and a gap raises your rate when you next buy. A non-owner policy keeps coverage continuous and is cheap.
City drivers who use car sharing or only drive occasionally.
It does not cover the car itself. If you damage a borrowed vehicle, the owner's collision coverage handles it, subject to their deductible and their rate consequences.
It does not cover a vehicle in your household, or one furnished for your regular use, including a company car in many cases. And it is not a substitute for insuring a car you own — if you buy one, the policy needs to change.
Non-owner policies are generally much less expensive than standard auto policies, because the biggest cost in auto insurance is repairing and replacing vehicles.
The under-appreciated benefit is continuity. Insurance companies price continuous coverage favorably, and a year without a policy is a year that costs you later. If you are going to be without a car for a while, this is the inexpensive way to avoid that.
Liability coverage that follows you rather than a vehicle, for when you drive cars you do not own. It covers injuries and damage you cause to others, but not the car you are driving.
Yes, and that is the most common reason people buy one. It satisfies the state's proof-of-coverage requirement for drivers who do not own a vehicle.
It generally provides liability coverage when you rent, which can let you decline the rental counter's liability product. It does not cover damage to the rental vehicle itself unless you add that separately.
That depends on the carrier and on whether the vehicle is available for your regular use. If you drive it routinely, you usually need to be listed on that car's policy instead.
Considerably less than a standard policy, because there is no vehicle to repair or replace. Call us with your situation and we will price it.
Questions about your own situation? Call 417.623.8300 or send us your current policy. We are licensed in Missouri, Kansas and Oklahoma.
Questions about your own policy? Send it over and we will go through it with you.