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protection in a borrowed car

Be protected no matter what car you’re driving with non-owner car insurance

Even if it's not your car, you need injury damage, and liability protection when you're behind someone else's wheel

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What is non-owner car insurance?

Non-owner car insurance (also called named non-owner) is a type of car insurance policy for people without a car. In other words, this insurance will cover you if you were to get into an accident while driving someone else’s car, whether it’s a friend’s or a rental.

Specifically, it covers injuries and property damage that you cause to others, but it does not cover damage to the borrowed car or your medical expenses like a normal car insurance policy would.

Non-owner auto insurance is a secondary coverage, used to cover the gaps that the borrowed car’s insurance policy won’t cover. In other words, if you cause an accident and the car owner’s car insurance reaches its limits, the non-owner policy will kick in to cover the rest.

In most cases, in order to get a MA non-owner policy, you will need a MA drivers license, a clean driving record, and a bundled policy (such as renters or homeowners.)

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Check out these non-owner auto insurance statistics

You might not think you need the coverage, but a non-owner policy may save you from a costly claim you can’t afford.


What is (and is not) covered by non-owner car insurance?

Non-owner auto insurance is a pretty bare-bones policy compared to other car insurance policies. Learn more about what is (and isn’t) covered before you hit the road.

What is typically covered?


Injuries caused to others while driving someone else’s car


Property damage caused to others while driving someone else’s car

What is not typically covered?


Damage to the car you borrowed


Medical expenses for yourself


Roadside assistance/towing


Rental coverage


Got non-owner auto insurance questions? We’ve got answers.

We know non-owner car insurance can be confusing. You probably have loads of questions, so let’s get you started on the basics.

Do I need non-owner car insurance?

How much non-owner insurance do I need?

How much does non-owner insurance cost?

What happens if I don't have coverage and I get into an accident driving someone else's car?

Do I need this coverage if I have my own car insurance for my car, but I sometimes drive someone else's car?

How can I get physical damage covered since it isn’t included in non-owner coverage?

How non-owner car insurance keeps money in your pockets

Accidents happen. When they do, you want the peace-of-mind to know your mistake won't be a significant financial setback.


No coverage gaps

If you cause an accident that surpasses the primary insurance policy’s limits (which they often can), non-owner car insurance kicks in to fill in the gap so you aren’t responsible.


Injury coverage

If someone gets injured in an accident you cause, your policy will take care of all their medical expenses without you having to pay a cent.


Property damage coverage

A non-owner policy covers all property damage you cause, so you won’t be stuck with a bill.

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Non-owner car insurance for the road ahead, regardless of whose wheels you’re riding on

Don’t get detoured by uncovered claims. Stay the course with the right non-owner car insurance policy. Simply fill out this form and a member of our personal insurance team will be in touch.