Coverage options when you do not own a car

What it actually does

This policy is generally designed for eligible drivers without a car who need liability protection while driving vehicles they do not own. It does not cover every vehicle or use.

Who it may fit

It may suit people who occasionally borrow vehicles, rent cars, or are between cars. Regular access to a household vehicle can change eligibility.

What is covered and excluded

Liability may respond to covered injury or property damage you cause to others. Damage to a borrowed car, your own injuries, belongings, and every possible use are not automatically covered.

Comprehensive and collision coverage for an owned car are generally not part of this policy.

Permissive use and borrowed cars

Permission from the owner does not remove policy restrictions. Frequent use or a car regularly available at home may require disclosure or listing on the owner’s policy.

Rentals and employer vehicles

Do not assume a non-owner policy replaces rental coverage or applies to a company vehicle. Employer vehicles are often covered through a business policy.

Household exclusions

Tell the insurer whether a household member owns a vehicle you can use. The right policy depends on the actual arrangement, not only whose name is on the title.

What affects the cost?

Pricing depends on driving history, limits, location, and insurer rules. Ask for the premium and any separate filing charge; no price can be promised before review.

Getting started

Call with household and vehicle-use details. We can help identify what an insurer needs to know. You can also review our South Dakota filing information.

When you buy a car

Contact the insurer before driving the new vehicle. An owner policy may be required, and the non-owner arrangement may no longer fit.

Why consider this option?

• It may address a liability need when you own no car.
• It prompts an upfront review of household and borrowing details.
• It can be reassessed when your vehicle situation changes.

Myths to avoid

This is not a way to insure an owned car without an owner policy. It does not guarantee rental coverage or repairs to a borrowed vehicle. Read the policy and ask about uncertain use.