What is named non owner auto insurance?

Named non-owner auto insurance, or non-owned auto insurance, is liability coverage for drivers who don't have their own car. It’s like portable driving insurance that follows you as the driver of a borrowed or rented car.

Why should I consider non-owner auto insurance?

A non-owner policy is a relatively inexpensive option to purchase auto insurance liability coverage. It can save you money on daily car rental insurance or give you peace of mind when you’re borrowing a car for personal use.

Can you insure a car you don’t own?

You generally can't insure someone else's vehicle, but you can insure yourself with a non-owner policy. This type of coverage includes liability insurance to cover damage you might cause to others while driving someone else's car, but it won't cover damage to the car you're driving if you're at fault for the accident. That would be covered by the vehicle owner's collision insurance, if they have it.

How much does non-owner car insurance cost?

A non-owners policy is usually cheaper than a standard policy because drivers who don't own a car are less likely to file a claim than car owners. Surround offers non-owner auto insurance for $45 per month or $513 per year.

Non-owner auto insurance

Sometimes you need a car

Car insurance for people who drive rented and borrowed cars

Driving insurance: $53-63 per month.

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Protect yourself with driving insurance*

*Also known as non owner car insurance

If you rent by the hour or day

As long as you’re driving for personal use, you’re covered.

If you damage something

Your coverage includes hitting another car, a fence, or other property.

If you
borrow a car

As long as you borrow with permission, you are still fully covered.

If you or others are hurt

You and your passengers are covered if you’re in a collision.

If they don’t have insurance

1 in 8 drivers don’t have insurance. But you’re covered, even if they’re not.

For commuters and alternative transportation

Covers your bike, injuries, and lost wages if you’re hurt by an uninsured or underinsured driver.

Get prices

The average cost of a collision is $12,500.

Save money by insuring your borrowing or renting a car.

Questions? We’ve got some answers.

Here’s answers to some of our most frequent questions.
Or email your question to care@surroundins.com

Can you rent a car without insurance?

How to rent a car when you’re in college

What happens if you wreck a rental car?

FYI: Coverages + Terms

Surround’s driving insurance, also called non-owned auto insurance, protects you and your passengers when you're in a collision.

Explore coverages

Bodily Injury Liability

If you, the driver and policy holder, cause harm to someone else. You are covered when driving someone else’s car with their permission for personal use.

Property Damage Liability

When you’re driving, this pays for damage you may cause to someone else’s property. This can mean damage to someone else’s car, but it also includes damage to other structures such as signs, fences, or buildings.

Uninsured and Underinsured Motorists

One out of every eight drivers does not carry auto coverage; in some states, that number is one out of five. Also known as Uninsured Motorist insurance, this will pay your and your passengers’ medical bills if you’re involved in a collision with an uninsured motorist who is at fault.

In other instances, an at-fault driver may have liability insurance, but his or her policy’s limits do not cover the full extent of your injuries. In such cases, Underinsured insurance will cover the difference up to a certain amount.

Personal Injury Protection

Personal injury protection, covers the medical and rehabilitative costs for you and your passengers after you’re injured in a car collision. PIP also covers you when you’re a passenger in someone else’s car, or if you’re hit by a car while a pedestrian or cyclist.

Medical Payments

Personal injury protection covers the medical and rehabilitative costs for you and your passengers after you’re injured in a car collision. PIP also covers you when you’re a passenger in someone else’s car, or if you’re hit by a car while a pedestrian or cyclist.

Personal Use

Driving or renting a vehicle for personal errands, activities, etc. Not for a business, freelance/contract job, or for a ride sharing service such as Uber or Lyft.