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NC Non Owners Insurance

Non Owner Auto Insurance for NC Drivers

For many drivers in North Carolina, it may be necessary to carry non-owner policy at all times. If you have had your license taken away, you may need to get non owners auto insurance in order to have your license reinstated.

Drivers in North Carolina may be required to obtain non owners insurance for the the following:

  • Acquire a North Carolina drivers license
  • New NC residents who want to obtain a license
  • To reinstate a suspended North Carolina license

No matter your situation: accidents, tickets, DUI or lapse in coverage – we can help. Our agents help you shop the entire market for the best non-owner auto insurance rates.

NC Minimum Automobile Insurance Requirements

Basic coverage is referred to as 30/60/25 coverage with 30/60 UM limits.

  • Bodily Injury: $30,000/$60,000
  • Property Damage: $25,000
  • Uninsured Motorist Bodily Injury: $30,000/$60,000
  • Uninsured Motorist Property Damage: $25,000

For drivers who do not own a vehicle but still need liability coverage for times when they borrow or rent a vehicle, the Non-Owners Insurance policy from Upstate’s Choice Insurance will meet your needs. A non-owner liability policy will provide bodily injury liability and property damage liability when you are operating a vehicle not owned by you.

If you are convicted of a major violation such as a DUI/DWI or are found at-fault after an accident, and you had no liability insurance in place at the time of the accident, most states will require you to file an SR-22 or FR-44. An insurance carrier must provide this form to the Department of Motor Vehicles so that you can get your driver’s license reinstated. If you do not own a vehicle, the only resolution would be to purchase a non-owners insurance policy.

When to Consider a Non-Owners Insurance Policy

  • If you do not own a vehicle but rent a car frequently, you are typically required to purchase liability and physical damage coverage from the rental company, which can be rather expensive. However, if you have a non-owners insurance policy, the rental company will not force you to purchase the liability portion of their insurance, and you will typically pay less in the long-run.
  • If you do not own a vehicle but borrow one occasionally, the vehicle owner’s insurance will typically pay if you are in an at-fault accident. However, if the expenses from the accident exceed the limits of the owner’s insurance policy, your non-owners policy would pick up the excess, up to the limits of your policy.
  • If you are temporarily between vehicles, canceling your auto insurance will cause a lapse in your insurance history. By changing your auto insurance to a non-owners policy, you can maintain continuous coverage and loyal customer status with your carrier. Also, you will have coverage if you borrow a car or test-drive a vehicle not owned by a dealer.

When Not to Consider a Non-Owners Insurance Policy

  • If you have regular access to a car, such as a neighbor’s or family member’s, and they have listed you as a driver on their policy.
  • If you live with your parents and use their vehicles, their insurance company will require that you are listed as a driver on their policy.