Non-Owner Car Insurance in Texas (2025)
Non-owner car insurance is a liability policy for Texas drivers who don’t own a car but drive other people’s cars or need an SR-22.
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Non-owner car insurance is a special type of car insurance designed for people who don’t own a car but frequently drive other people’s cars. This coverage is ideal for people who rent cars regularly, borrow vehicles from friends or family, or use a car-sharing service.
Non-owner car insurance provides liability protection to cover damages and injuries you may cause to others while driving a vehicle that isn’t yours. But it won’t cover your injuries or damage to the car you’re driving.1
Here’s what you should know about comparing quotes and finding a non-owner policy in Texas.
What is non-owner car insurance in Texas, and who needs it?
In Texas, non-owner car insurance is insurance for drivers without a car. It provides bodily injury and property damage liability coverage for injuries or damage you cause while driving someone else’s car.
You might need non-owner car insurance if you often rent cars, borrow from a friend or family member, or use car-sharing services. For example, if you frequently rent vehicles for business trips, buying a non-owner car insurance policy might be more affordable than buying coverage through the car rental company every time you rent.
Texas law may require non-owner car insurance for people who need to file an SR-22 certificate. An SR-22 is a certificate that an insurance company issues confirming you have the minimum liability insurance required by law.2
Best non-owner car insurance companies in Texas
The cost of non-owner car insurance in Texas can vary based on your driving history, coverage limits, and your chosen insurance company. Here are three companies offering non-owner car insurance in Texas to help you find a policy that fits your needs and budget.
GEICO: Best for affordability
Direct Auto: Best for high-risk drivers
Progressive: Best for a range of coverage options
Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers’ vehicles, driving records, and demographic information. Quotes for GEICO, Direct Auto, and Progressive are estimates based on Quadrant Information Services’ database of auto insurance rates.
In addition to rates, we considered the reported customer satisfaction metrics, IQ Score, and financial strength ratings to select the companies above.
What non-owner car insurance covers in Texas
Non-owner auto insurance offers liability-only coverage. Here’s a more in-depth explanation of the coverages included in a non-owner policy:3
What non-owner car insurance doesn’t cover
Non-owner car insurance doesn’t include all the coverage a typical full-coverage car insurance policy provides. For example, non-owner policies don’t include the following:
Collision coverage: Collision insurance pays for damage to the car you’re driving if you get into an accident. The car owner’s policy will need to cover any repair costs for the vehicle.
Comprehensive coverage: Comprehensive insurance pays for non-collision-related losses, like theft, vandalism, or natural disasters. These are usually the responsibility of the car owner’s insurance company.
Personal belongings: Non-owner car insurance doesn’t cover personal belongings stolen from or damaged in the car. You need separate coverage through your homeowners or renters insurance for these items.
How much does non-owner car insurance cost in Texas?
On average, non-owner car insurance costs around $795 per year nationwide, according to Insurance Business America. That’s roughly half the average cost for liability-only car insurance in Texas, which is $1,484 per year, according to Insurify data.
But keep in mind that your rates may vary depending on your driving record, insurance coverage limits, age, ZIP code, and the company you choose.
Non-owner car insurance in Texas FAQs
If you still have questions about non-owner insurance in Texas, these answers to a few frequently asked questions might clear up any confusion.
Can you get car insurance on a car you don’t own in Texas?
Yes. You can get car insurance on a car you don’t own in Texas. A non-owner policy provides liability coverage for drivers who frequently use cars they don’t own. This insurance covers damages and injuries you may cause to others while driving a borrowed or rented car.
Do you need non-owner car insurance to rent a car in Texas?
No. You don’t need non-owner car insurance to rent a car in Texas. But it can be a good option if you rent cars frequently, as it can provide liability coverage beyond what the rental company offers and potentially save you money on rental car fees.
Do you need car insurance to drive a friend’s car in Texas?
Not legally, but it’s not a bad idea. If you occasionally drive a friend’s car with their permission, their insurance should cover you. But non-owner car insurance can provide additional liability protection, ensuring you have coverage if their policy limits aren’t sufficient.
Where can you buy non-owner car insurance?
You can buy non-owner car insurance from many major insurers, including GEICO, Progressive, and State Farm. It’s a good idea to compare quotes from multiple companies to find the best rate and coverage for your specific needs.
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