What is Black Box Car Insurance?

Today, we’re going to be talking about non-owner car insurance. Non-owner car insurance is coverage for licensed drivers who do not own a car. With a non-owner policy, drivers can carry liability insurance, uninsured motorist coverage, personal injury protection, and medical payments coverage. However, since non-owner policies don’t apply to a specific car, they do not include collision or comprehensive coverage. 

In several situations, non-owner car insurance is a great coverage option to consider. If you’re trying to get your license reinstated after a serious infraction, a non-owner policy can help you meet your state’s minimum insurance requirements, even if you don’t own a car. For drivers who frequently rent cars or use car sharing services, non-owner coverage offers more protection than what’s usually offered by the rental or car sharing company and if you like to borrow cars from friends or family members, you can rely on your own non-owner policy for coverage rather than the vehicle owner’s personal car insurance. 

Finally, non-owner insurance is a great way to avoid a lapse in coverage if you’re temporarily between cars. Most national insurance companies offer non-owner policies, though you’ll need to call directly for a quote. Non-owner coverage is much cheaper than a standard policy, only costing between $200 and $500 annually. Keep in mind that if you own a car or live in the same household as someone who does, you will not be eligible to purchase a non-owner policy.