GEICO NON-OWNER CAR INSURANCE: All to Know

Rental cars and occasional drivers in California can benefit (and save money) from GEICO’s non-owner car insurance coverage. If you need to submit an SR-22 or FR-44 certificate to have your license reinstated, GEICO offers non-owner car insurance to help you do so.

Geico Non-Owner Car Insurance

Non-owner insurance is a cheap type of car insurance that financially protects drivers who do not own a car. Those who frequently use a rental car, rideshare, or borrow a friend’s car will benefit greatly from non-owner auto insurance. Renewing your driver’s license may also necessitate purchasing non-owner auto insurance.

Coverage for the bare minimum of insurance required by your state is included in most non-owner policies. It covers liability, which means you can drive as long as you meet the state’s minimum requirements. Bodily injury and property damage liability are standard features of most non-owner insurance policies.

Who Needs GEICO’s Non-Owner Car Insurance?

GEICO’s non-owner auto insurance is available to anyone, regardless of whether or not they are already GEICO customers.

#1. People who Rents Cars

Permissive use coverage or rental car insurance are two options for when you are behind the wheel of a vehicle that does not legally belong to you. Some insurance policies may not cover enough if you hit your friend’s car and hurt someone or damage their property.

Non-owner auto insurance coverage is an optional form of liability protection for drivers who frequently use borrowed or rented vehicles.

Some car-sharing services, like Zipcar, cover liability, but only up to a certain amount. If you have an accident, you may also have to pay a big deductible, which can be in the thousands of dollars. We recommend getting coverage if you use this kind of service often.

#3. Drivers in Between Cars

Recent car-less drivers can keep their insurance and avoid rate hikes by switching to a cheaper non-owner policy. It may not be a priority if you have no plans to buy a new car, but if you are only without wheels for a short time, non-owner insurance can help you avoid a rate hike when you do buy a replacement vehicle.

#4. You Want Your License Back After a Major Offense

A California driver who has had their license suspended due to a DUI or other serious traffic violation must submit proof of financial responsibility in the form of an SR-22 insurance certificate before having their license reinstated. The procedure’s end goal is to verify that you have car insurance. Getting a non-owner car insurance policy is one way to fulfill legal requirements, even if you do not own a car.

Drivers Who Need an SR-22

If your license has been revoked because of too many points or an offense like a DUI, your insurance company may need to file an SR-22 form on your behalf.

In California, without non-owner car insurance, a high-risk driver who is required to carry SR-22 insurance but who does not own a vehicle cannot legally drive on public roads.

How to Get Geico Non-owner Car Insurance

GEICO requires a driver’s license for non-owner car insurance in California. You are not eligible for non-owner insurance if you own a vehicle. For non-owner insurance, calling GEICO is probably the easiest way to get a quote, but you can also try online. You will have to provide personal details, such as your

Driver’s license number
Home address
Date of birth
Social Security number
Driving history
Annual mileage

Geico Non-Owner Car Insurance Coverage

In California, you have options besides GEICO non-owner, but their car insurance is among the cheapest and they have excellent customer service ratings for a company of their size.

How does Non-Owner Car Insurance Work in California?

A non-owner’s car insurance policy is called secondary coverage. When more than one insurance policy covers an accident, the secondary policy only covers what the primary policy does not. If you borrow a friend’s car and get into an accident, for instance, your friend’s auto insurance will pay for the damages initially, and your non-owner policy will take care of any additional expenses or losses over your friend’s liability limits.

Furthermore, a deductible is not typically included in non-owner auto insurance policies. At the time of purchase, you will choose a maximum amount of coverage.

The Exclusions of Non-Owner Car Insurance

To understand what non-owner auto insurance does not cover, as well as how it protects drivers from financial ruin, it is helpful to consider what it does. Non-owner policies do not cover the following things:

Vehicle damage: The collision and comprehensive coverage options are not available for drivers who do not own their vehicles. If you suddenly damage someone else’s car, the owner of the car you are driving has to file a claim under their insurance.
Your accident-related injuries: Purchasing additional coverage is crucial if you have a non-owner policy. Otherwise, your injuries won’t be covered.
Other drivers: Usually, a non-owner auto insurance policy excludes coverage for other drivers living in your home. You must confirm if an insurer will allow your spouse to be included on a non-owner policy.
Personal belongings: A non-owner policy will not protect you if your personal belongings are stolen, lost, or damaged while driving a car you are renting.

What Does Geico Non-Owner Car Insurance Cover?

The bare minimum level of protection required by your state is the standard for insurance for drivers who do not own a car. Some drivers carry more than the required minimum liability coverage, while others do not go over these limits.

Full coverage, which includes collision and comprehensive, is not included in your GEICO non-owner car insurance policy.

The vehicle’s owner or rental agency provides coverage, but GEICO’s most basic policy for non-owners includes bodily injury and property damage liability. Uninsured or underinsured motorist coverage, personal injury protection (PIP), medical payments, and other optional coverages are available for added safety and/or to fulfill state mandates.

#1. Bodily Injury Liability Coverage

Bodily injury liability insurance is mandatory in the majority of states, and it pays for injuries you cause to other people while driving a car. Any injuries or property damage you or your passengers sustain while in your car are not covered. States typically require bodily injury liability insurance at a minimum of $25,000.

#2. Property Damage Liability Coverage

In the event of an accident, property damage liability insurance protects you from financial responsibility for repairs to other people’s vehicles and property.

Additional Coverage Geico’s Non-Owner Car Insurance

#1. Medical Payments (MedPay) Coverage

Medical payment coverage reimburses you and your passengers for certain accident-related medical costs and is mandated in some jurisdictions.

#2. Personal Injury Protection (PIP)

Personal injury protection, like MedPay, pays for accident-related medical care for you and your passengers. The majority of no-fault states mandate PIP coverage. If a state law requires it, non-owner auto insurance frequently includes personal injury protection.

#3. Uninsured or Underinsured Motorist Coverage

High rates of driving without insurance are prevalent in some states. Most drivers are not properly insured because their insurance limits are too low in some states. In states where the percentage of uninsured drivers is high, it might be necessary for residents to obtain uninsured or underinsured motorist coverage. If mandatory in your state, this protection will be part of your non-owner auto insurance policy.

How does GEICO’s Non-Owner Car Insurance Work?

GEICO’s non-owner car insurance works the same as that of any other insurer. Start with these simple steps to enroll in GEICO’s non-owner auto insurance program:

You can visit GEICO’s platform to get a quote based on your needs and budget, and if you are okay with the quotes, proceed to completely enroll in non-owner insurance. You will fill out a form with your name, license number, age, occupation, VIN, and other necessary information.

GEICO then gives you a quote based on the information they have received. Keep in mind that car insurance costs vary depending on the provider and some other factors. If you have bad driving records, multiple violations, and have been caught driving under the influence, your insurance costs and premiums will be higher than those of someone with a good driving record.

Non-owner car insurance serves to safeguard drivers who do not own their vehicles. If you borrow a friend’s car and get into an accident, their policy will kick in before your own. As a secondary policy, your non-owner auto insurance may pay for damages not covered by your friend’s primary policy.

The process for filing a claim is the same—you get in touch with GEICO and carry out the necessary steps. As long as your non-owner car insurance covers certain damages, GEICO will pay for them.

Geico Non-Owner Car Insurance Price

For the most part, a non-owner policy is cheaper than a regular policy, and it does not come with a deductible. Get a quote online from GEICO to see rates for non-owner auto insurance. When calculating your insurance premium, GEICO will take into account your age, gender, and other factors.

A non-owner auto insurance policy from GEICO will typically cost about the same as a basic liability policy from GEICO—roughly $46 per month, or $554 annually.

Non-Owner Car Insurance Geico SR22

GEICO offers cheap non-owner SR-22 insurance. High-risk drivers require SR-22 insurance, but GEICO’s non-owner auto policy covers those who do not own a car. You can get SR-22 and non-owner insurance from Geico. Both non-owner insurance and SR-22 insurance are required for drivers who are considered to be high-risk.

Geico’s non-owner SR-22 insurance is essential for high-risk drivers who do not own a vehicle but still need liability protection. However, remember that you cannot submit an SR-22 by yourself. Your car insurance provider should submit the form for you. If you need an SR-22 but do not own a car, it is important to make sure your insurance provider offers one before signing up.

Cost of Non-Owner Car Insurance Geico SR22

The cost of Geico SR-22 insurance is high, and non-owner insurance only offers liability coverage and other coverage that is required by your state. The term “SR-22 insurance” refers to no particular policy. Rather, it is a Geico form that certifies to the state that you possess a minimum amount of mandatory car insurance. Even though the filing fee is normally between $25 and $50, the cost of auto insurance goes up dramatically.

You can purchase non-owner auto insurance with just a driver’s license and credit or debit card. Your car insurance company should be able to file an SR-22 on your behalf if you need one, and you can get proof of insurance in a matter of minutes if you ask them to send it to you via email.

Typically, the court will require you to keep your SR-22 on file for three to five years. In most cases, auto insurance premiums will go down after the form is deleted and Geico is notified.

You may need SR-22 insurance if you have a DUI conviction, have been at fault in multiple accidents, have received multiple traffic tickets in a short period, or have driven without insurance. Each state, however, determines its requirements for carrying SR-22 insurance and for how long.

Because of their elevated risk, drivers who need SR-22 insurance typically pay higher premiums. Drivers who require non-owner and SR-22 coverage can anticipate paying higher premiums.

Who Needs Geico’s Non-Owner SR-22 Insurance?

If you were found to be driving without insurance at the time of the incident, the court may order you to carry SR-22 insurance. Let us say you were involved in a car accident and were found to be driving without insurance. You still need auto insurance, even if you decide to delay replacing your car.

The longer you go without auto insurance after selling your car, the more it will cost to reinstate your policy. You can drive and comply with court requirements with Geico’s non-owner SR-22 insurance.

How Much Does Geico SR-22 Insurance Cost?

It only costs $25 to $50 to file an SR-22 form, but drivers with accidents, tickets, or DUIs pay more. you will incur higher auto insurance rates.

In comparison to SR-22 insurance, which covers both liability and financial responsibility, non-owner insurance is more cost-effective. One of the most important factors in determining your car insurance premium is your driving record. You can get non-owner SR-22 insurance from more than one company besides Geico. Compare rates and coverage to find the best deal.

What is Non-owner Car Insurance?

To protect yourself legally while operating a vehicle that is not your own, you should consider purchasing non-owner auto insurance. It shields the vehicle’s owner from liability if you cause an accident. Auto insurance for non-owners covers drivers who do not own a car but frequently use rental, borrowed, or car-sharing vehicles. Non-owner insurance is available to people who have a valid driver’s license but do not own a car.

Will Geico Let Me Insure a Car That Is Not in My Name?

Geico is willing to insure a vehicle that is not registered in your name. You must, however, be able to demonstrate that you have a significant financial interest in the automobile.

What Is Non-owned Auto Coverage?

If an automobile you have not leased, hired, or rented is involved in an accident while being driven for business purposes, non-owned auto coverage can help with liability protection. If you require employees to drive while on the job, you must obtain non-owned vehicle liability insurance to safeguard your company.

What Is the Difference Between Geico General and Geico Indemnity?

You can get insurance from both GEICO Indemnity and the GEICO General Insurance Company. Although The General and GEICO are two of the most well-known insurance providers, their policies and discounts are different. Both Geico and The General were started in 1936 and 1963, respectively.

Conclusion

There are several major insurance companies in the United States, and GEICO is one of them. If you need insurance but do not have a car, GEICO offers non-owner auto insurance. If you do not have a car but still need SR-22 insurance because of a court order, you can get it from Geico. Both SR-22 insurance for high-risk drivers and non-owner insurance for those who do not have a car of their own are required by the state.

Get in touch with GEICO today for a quote and more information on their non-owner auto insurance

GEICO NON-OWNER CAR INSURANCE: All to Know

Geico Non-Owner Car Insurance