Non Owner Car Insurance in North Carolina

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Contributor, Benzinga
February 15, 2022

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Each state has its own laws regarding auto insurance, and North Carolina is an at-fault state. This mean having insurance on any car you're driving is important, so you may want to consider non owner car insurance in NC. The most common examples seen involve renting a car on vacation or ride-sharing with a coworker to a meeting. No matter what the case may be, it is vital to invest in non-owners car insurance in North Carolina if you drive other people’s vehicles.

Best Non-Owners Car Insurance in North Carolina 

With a better understanding of car insurance — more particularly, non owner car insurance NC — you can be armed and ready to compare  North Carolina insurance companies. 

1. Savvy

Shopping for auto insurance isn’t exactly what one may look forward to as an enjoyable activity. With Savvy, a free website, you can let someone else shop for you and get quotes from different carriers to compare rates. All of this can take place in under 30 seconds and save people on average $826 per year. 

2. Bonzah

One of the most unique platforms for the best car insurance, which is designed for frequent travelers who desire better and more affordable rental car coverage is Bonzah. It is the only online provider of on-demand primary and supplemental coverage for non-owners. You have the ability to use Bonzah whenever you need to cover any gaps left by other insurance carriers when you are driving a vehicle you don’t own.

3. Allstate

If you are looking to insure more than one vehicle, Allstate offers bundled discount rates to help you save more when looking to cover multiple vehicles. Another benefit of Allstate is the fact it offers replacement value coverage. This gives you the actual replacement value of your car if it is totaled. 

4. Progressive

Under Progressive insurance, coverage is offered for everyone at affordable rates. It also gives the option for additional discounts that you can take advantage of to lower your premiums. As a student, you get a discount for having good grades and even owning a home.

5. Root

You will undergo a test period where Root will monitor your driving habits for 3 to 4 weeks, after which you will receive a quote. The system operates on the notion that drivers who put fewer miles on their car are less inclined to file an insurance claim.

What is Non-Owners Car Insurance?

Non-owners car insurance protects those who do not own a vehicle but still occasionally drive. Under this type of insurance, injuries or property damage sustained in an accident are covered so you don’t have to pay out of pocket. However, you should know that if you are involved in an accident that you caused while driving a borrowed or rented vehicle, liability insurance does not cover damage or injury costs.

NC Car Insurance Requirements

As a resident of North Carolina, you are legally required to have a means of coverage when it comes to injuries or damages that result from a vehicle accident. Residents are mandated to have at least the coverage limits of $30,000 for bodily injury liability per person per accident, $60,000 of bodily injury liability per accident, and $25,000 of property damage liability per accident. North Carolina drivers are also legally bound to have uninsured motorist coverage.

Who Needs Non-Owners Car Insurance?

Anyone looking to purchase non-owners car insurance must need it for a specific purpose and must be driving. Basically, non-owners insurance is sold on a case-by-case basis. Individuals who do not own a vehicle may want to consider non-owners insurance if the following apply:

  • You need an SR-22 or FR-44 form.
  • The state you reside in requires insurance to get or reinstate a driver’s license.
  • You use a car-sharing service regularly.
  • You want continuous protection.
  • You rent and/or borrow cars.
  • Continue reading below for a more in-depth description of the SR-22 and FR-44 forms, car-sharing services and rental car coverage.

SR-22 and FR-44 Forms

In some states across the country, you are required to present an SR-22 or FR-44 form if you are looking to reinstate your license. These forms are filed on your behalf by your insurance. In case your license is suspended and you are waiting for reinstatement you can get insurance as proof that you have at the bare minimum the proper amount of coverage before you find a new mode of transportation.

Depending on which state you live in you may have to provide proof of insurance as financial responsibility even if you are getting your license for the first time.

Car-Sharing Services

If you are unfamiliar with car-sharing services, look at Zipcar and Turo. Both of these services offer coverage for drivers. You want to do your research ahead of time to determine if it meets your state’s minimum requirements though. Car sharing is beneficial for anyone who uses these services because it also serves as protection in someone else’s car and if you yourself do not own a vehicle.   

Rental Car Coverage

Whenever you rent cars, whether it be sometimes or not at all, non-owner insurance may cost less than liability coverage. On the flip side, if you rent on a more frequent basis, you tend to want more coverage. This is why non-owners insurance is probably your best option. Typically it is cheaper because you not only get more protection but have already established it too. 

This eliminates any unnecessary drama with the rental car company. Non-owners insurance is also a viable option for drivers who are worried about getting into an accident in a rental car. With non-owners insurance, a great sense of peace of mind is offered to alleviate your stresses.

How to Compare Non-Owners Car Insurance

The best and most effective way in which to compare non owner car insurance NC is to gather a list of auto insurance carriers and go down the line researching quotes, rates, and services. This will give you a better idea of what agency will rise to the occasion to meet your needs. Whether you are looking for affordability, quality customer services, or simply the best non-owners insurance option you are well on your way to obtaining it as soon as you begin comparing quotes.

Utilize Non-Owners Car Insurance NC for the Ultimate Protection

If you are asking yourself whether you need non-owners car insurance in North Carolina, it is recommended that you make the purchase. You’ll thank yourself later if you happen to be in a sticky situation. Ensure you are covered while driving a car you do not own with non-owners insurance.

Frequently Asked Questions


Can non-car owners buy insurance in North Carolina?


In North Carolina, if you don’t own a car and you want to avoid a gap in coverage, are court-ordered to maintain insurance, and rent or borrow cars often, you may need a non-owner policy. It is strictly used as a secondary form of protection to pay for damages above and beyond what is covered by the borrowed car insurance policy.



Does my car insurance cover my rental car?


Depending on where you live, your personal car insurance will extend to almost every rental car you drive. If you carry comprehensive and collision coverage, you will be protected against physical damages to your rental car. Liability insurance kicks in when you get behind the wheel of a rented vehicle as well.



Is North Carolina a no-fault state for car insurance?


No — NC is an at-fault state. This means whoever is considered the responsible party for an accident is liable for damages, which is why having car insurance is so important.