Best Car Insurance Companies That Cover Any Car You Drive (2021)


The best car insurance companies that cover any car you drive include GEICO and Progressive. There are certain types of car insurance that covers any car you drive. However, if you’re looking for car insurance for any car you drive because you do not own a vehicle, consider a non-owner policy.

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UPDATED: 2022-09-01T04:18:50.912Z
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What You Should Know

  • The best car insurance companies that cover any car you drive include GEICO and Progressive
  • Technically, your liability insurance follows you no matter what car you drive
  • If you don’t own a vehicle but drive other cars often, invest in a non-owner policy

The most common type of car insurance for any car you drive is non-owner insurance. The best car insurance companies that cover any car you drive through non-owner policies include GEICO and Progressive.

Below, discover how different insurance types follow either the vehicle or the driver, learn where to buy non-owner car insurance, and determine how to get cheap car insurance rates if you qualify.

After reading about car insurance quotes from companies that cover any car you drive, remember to enter your ZIP code into our free tool above to compare rates from the top providers near you.

What are the best car insurance companies that cover any car you drive?

You may be wondering, are there affordable car insurance companies that don't cover any car you drive?

Technically, the details of your insurance policy dictate if your coverage applies to any vehicle you drive or not.

For example, liability insurance almost always follows the driver in any car.

Still, it only pays for damage to another party if you cause an accident, not to yourself or the vehicle you’re driving.

However, non-owner car insurance policies are sold by most of the major providers to individuals who do not own a car but often drive other vehicles.

This is really the only insurance that covers any car you drive.

Below, compare the average annual car insurance rates from the nation’s leading providers to help you determine the best company for you:

Remember, the data above represents the average annual rates customers pay with each provider.

So it encompasses car insurance quotes from companies that don't cover any car you drive as well as non-owner policies.

GEICO is the top car insurance company that does cover any car you drive, specifically through non-owner policies.

Not only is GEICO competitively priced in most states, but you do not need to be an existing customer to buy the policy.

Other affordable car insurance companies that cover any car you drive include Progressive and State Farm.

Technically, Progressive only offers non-owner coverage to existing customers. But the provider sells cheap basic liability policies, which are similar in scope to a non-owner policy.

However, State Farm may provide cheaper quotes than Progressive in some parts of the country.

But if you seek out quotes online, you’ll only receive car insurance rates from companies that don't cover any car you drive. Most non-owner policies can only be purchased over the phone.

To buy car insurance for any car you drive via a non-owner policy, make a list of providers to call directly so that you can request quotes for comparison.

But if you own a vehicle or live with someone who does, you likely will not qualify for non-owner policies.

In that case, you’ll need to buy car insurance from companies that don't cover any car you drive.

Does car insurance follow the driver or the car?

Typically, different types of car insurance follow both the vehicle and the person.

However, it’s more common to use a car insurance company that doesn’t cover any car you drive, specifically those not listed on your contract.

Think about it. If your provider paid for damages to any car you drive, it would present a very high and uncontrolled financial risk.

For example, if you take a friend’s luxury car out for a joyride and crash it, your provider is not going to pay for those costly repairs.

Instead, insurance companies offer coverages that prevent you from falling into a financial burden resulting from an accident.

Liability insurance, commonly required by state law, always follows the individual and applies to any damage you cause while driving any vehicle.

But liability insurance does not cover the damage to the car itself. Instead, it pays for damages to the other party involved in the accident.

Similarly, personal injury protection (PIP) insurance and medical payments (MedPay) coverage also follows the person and even covers you when you’re a pedestrian, biker, or passenger in another vehicle.

Collision and comprehensive insurance, on the other hand, usually follow the car.

These are the two insurance options that pay for repair costs for your vehicle, regardless of fault.

However, comprehensive and collision coverages only apply to the cars listed on your policy, not to any vehicle you drive.

What happens if someone else is driving your car and gets in an accident?

It depends on if they carry insurance, state laws where you live, if they’re listed as a named driver on your policy, and who’s at fault.

In at-fault states, if the driver does carry insurance, their policy covers damage and injury to the other party. However, your own vehicle likely will not be protected.

Oppositely, if the other party caused the accident, then their liability insurance pays for the damages.

In no-fault states, both people use their own coverage for their own damages, regardless of fault.

But if the person driving your car was not listed as a named driver or if they’re uninsured, there’s a chance your claim could be denied because you breached your contract.

Can you get car insurance without a car? Yes, you can purchase car insurance even if you don’t own a vehicle.

This is known as a non-owner policy.

So if you want insurance that covers any car you drive because you do not own a vehicle, a non-owner policy may be right for you.

What is non-owner car insurance?

Whether you own a car or not, car insurance is legally required in almost every state.

According to the Insurance Information Institute (III), penalties for getting caught include fines of up to $5,000 and possible jail time.

Therefore, non-owner car insurance is available through most national providers for drivers who do not own a car but drive other vehicles often.

However, to qualify, you usually must not live with anyone who owns a car.

What does non-owner car insurance cover? Typically, it provides you with your state’s required level of bodily injury and property damage liability coverage.

However, liability insurance only pays for damages to another party if you cause an accident. It will not cover damages to yourself or your property.

Besides liability coverage, what else does non-owners insurance cover? In some states, the policies include MedPay, PIP, and underinsured/uninsured motorist protection.

How does non-owner car insurance work? It’s essentially a form of liability insurance, so usually, it covers damage resulting from an accident you cause.

The other driver files a third-party claim through your non-owner policy.

But if you also invested in MedPay or PIP, you can file a claim through it yourself to assist with your medical bills.

How much does non-owner car insurance cost? Quotes for non-owner policies are not available online, but typically these policies cost between $200 and $600 annually.

The best and cheapest non-owner car insurance companies are GEICO, Progressive, and State Farm.

Since it’s not offering additional comprehensive or collision protection towards the vehicle itself, non-owner policies are usually cheaper than average.

Do you need non-owner car insurance?

You now know what non-owner car insurance covers. But who needs non-owner car insurance?

Anyone licensed who does not own a car but frequently rents vehicles, borrows other people’s cars, or uses ride-sharing services should consider non-owner insurance.

Similarly, investing in a non-owner policy maintains your insurance coverage, preventing a possible lapse if you’re in between vehicles.

Also, you’ll be covered while you test drive new cars.

Higher risk drivers might wonder, can you get an SR-22 with non-owners insurance?

If your license is suspended resulting from a severe traffic citation, like a DUI, you may need to file an SR-22 form to get your license reinstated.

But you’ll also need to provide proof of car insurance on the form. Fortunately, non-owner policies do meet state requirements.

Who shouldn’t buy non-owner car insurance? If you live with someone who owns a car, you likely won’t qualify for a non-owner policy.

However, providers make exceptions for roommates who are not related to you.

If you rarely drive, then paying for a non-owner policy is likely not worth it. Instead, invest in the renter’s insurance the few times you do rent a vehicle.

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Can you buy car insurance without a license?

Now that you’ve learned how to buy car insurance from companies that cover any car you drive, you might be wondering, can you get car insurance without a license?

Yes, you can purchase coverage from some companies even if you are unlicensed, but you must call to request quotes.

Online quote forms almost always require a valid license number, even if the company does not.

If someone else often drives you around, name them as the primary driver on your policy.

If no one drives the car you own, consider asking about parked car insurance and storing it according to your provider’s specifications.

However, know that your rates may be higher than average. Unlicensed customers are considered high-risk to insurance providers.

Car Insurance Companies That Cover Any Car You Drive: The Bottom Line

Technically, your car insurance policy details dictate if it follows you in any car you drive.

However, if you do not own a vehicle, a non-owner policy is likely right for you as it protects you in any vehicle.

But if you do own a vehicle or have easy access to one, you must understand how car insurance works so you can invest in suitable types of coverage for your specific needs.

Now that you’ve compared car insurance rates from companies that cover any car you drive, enter your ZIP code into our FREE comparison tool below to receive quotes from the top providers in your region.

References:

  1. https://www.iii.org/article/background-on-compulsory-auto-uninsured-motorists
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