Non-owner auto insurance

Non-Owner Auto Insurance

You don't own a car, but you still drive. Maybe you borrow a friend's truck to haul something from Home Depot, rent vehicles for work trips, or use a family member's car regularly. Non-owner auto insurance provides liability coverage when you're behind the wheel of someone else's vehicle, filling the gap that the vehicle owner's policy might not cover completely.

This coverage kicks in when the car owner's policy reaches its limits or doesn't fully cover an accident you cause. If you cause a serious accident in a borrowed vehicle, their insurance pays first, but you could still be personally liable for damages that exceed their coverage. Non-owner insurance protects you from that financial exposure, covering bodily injury and property damage up to your policy limits.

Texas takes auto insurance seriously, and being caught driving without proper coverage can result in fines, license suspension, and SR-22 filing requirements. Non-owner policies help you maintain continuous coverage, which matters for your driving record and future insurance rates. Even if you only drive occasionally, maintaining coverage prevents gaps that can cost you later.

This type of policy makes sense for Lubbock residents who don't own vehicles but drive regularly for work, ride-sharing, or personal needs. The cost is typically lower than traditional auto insurance because you're not insuring a specific vehicle, just your liability as a driver. We can help you find affordable non-owner coverage that meets Texas requirements and protects you from expensive liability claims when you're behind the wheel.