Does Non-Owner Insurance Fit Your Situation?
Non-owner insurance is designed around the driver, not a specific vehicle.
You Don't Own a Vehicle
May fit
A non-owner policy can provide liability coverage when you do not currently own a car.
You Occasionally Borrow Cars
May fit
Non-owner coverage may provide additional liability protection when you occasionally drive vehicles you do not own, depending on the policy and situation.
You Own the Car You're Trying to Insure
Not the right type of policy
Non-owner insurance is not designed to insure a vehicle you own.
If the vehicle belongs to you, you need an auto policy that insures that vehicle instead.
You Regularly Drive the Same Vehicle
Needs a closer look
A non-owner policy may not be the right fit when you regularly use or have ongoing access to the same vehicle.
The vehicle and driver arrangement should be reviewed before choosing this type of policy.
What Coverage Do You Get?
Non-owner insurance provides liability coverage without insuring a specific vehicle.
Bodily Injury Liability
Helps cover injuries you cause to other people while driving.
Property Damage Liability
Helps cover damage you cause to another person's vehicle or property.
Tulsa follows Oklahoma's statewide auto insurance requirements. Oklahoma requires at least 25/50/25 liability coverage.
Your non-owner policy should have liability limits that fit your situation and meet applicable requirements.
Non-owner insurance does not provide collision or comprehensive coverage for the vehicle you are driving.
Why Are You Getting Non-Owner Insurance?
The reason you need coverage can help determine whether a non-owner policy fits.
You're Between Vehicles
You sold your previous car and haven't purchased another one yet.
A non-owner policy can help you maintain liability coverage while you are without a vehicle.
You Occasionally Borrow a Vehicle
You drive from time to time but do not own the cars you use.
Non-owner coverage may provide liability protection depending on the vehicle owner's insurance and the terms of your policy.
You Want to Maintain Insurance Coverage
Keeping insurance between vehicles can help you avoid a break in your insurance history if you expect to purchase another car later.
Once you own a vehicle, you will need a policy designed to insure that vehicle.
Your License or Insurance Situation Has Changed
You may still need liability insurance even if you do not currently own a vehicle.
Eligibility and policy requirements can vary, so the reason you need coverage matters when choosing a non-owner policy.
When Non-Owner Insurance Doesn't Fit
A non-owner policy is not a replacement for a standard auto policy.
It is not designed for:
- A vehicle you own
- A vehicle registered in your name
- A car you regularly drive or have regular access to
- Collision damage to the vehicle you are driving
- Comprehensive damage such as hail, theft, or vandalism
- Physical-damage protection for a borrowed vehicle
If you own the vehicle, you need a vehicle-based auto policy instead.
What If You Buy a Car?
A non-owner policy is designed for someone who does not own a vehicle.
If you buy a car, you'll need to move from non-owner coverage to an auto policy that insures your new vehicle.
From there, you can choose:
- Liability coverage
- For injuries and property damage you cause to others.
- Collision and comprehensive
- For additional protection for your own vehicle.
If the new vehicle is financed or leased, the lender may require collision and comprehensive coverage.
Borrowing and Renting Cars
How non-owner coverage applies can depend on the vehicle you're driving.
Borrowing a Car
The vehicle owner's policy may provide coverage when you borrow their car. Your non-owner policy may also provide liability protection based on its terms and the circumstances of the loss.
Occasionally borrowing a vehicle is different from having regular access to the same car.
Renting a Car
A rental car can be an option with a non-owner policy depending on why the vehicle is being rented, how it will be used, and the terms of the policy.
Check with your insurance provider before relying on non-owner coverage for a rental.
What Shapes Non-Owner Insurance Rates in Tulsa?
The cost of non-owner insurance varies by person and policy.
- Driver
- Age, driving history, and other rating information.
- Coverage Limits
- The liability limits selected can affect the cost of the policy.
- Insurance History
- Previous insurance history may be considered when the rate is calculated.
- Driving Situation
- How you use vehicles and why you need the policy can affect eligibility and pricing.
Because a non-owner policy does not insure a specific vehicle, its pricing works differently from a standard auto policy.