Non Owners Insurance Guide

Non-Owners Insurance in Alabama: Your Essential Guide

Looking for hassle-free, tailored non-owners insurance in Alabama? A Plus Insurance offers free quotes, ensuring your peace of mind.

car icon

Don’t give up…we can help you find affordable rates, need an SR-22? We got you!

house icon

Homeowners, renters, and mobile home owners: make sure you have the protection you need.

motorcycle icon 2

Motorcycles, RVs, ATVs, life insurance, you name it…we can help!

Alabama Liability Requirements

Required Liability Coverage:
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$25,000 property damage liability per accident
Uninsured Motorist Coverage: Rejection Form

Why Non-Owners Insurance Matters for Alabama Drivers

Do you drive rental cars or borrow vehicles often in Alabama? If so, non-owners insurance might be the solution you need. This type of liability insurance protects you financially in case of accidents, even if you don’t own a car.

Here’s why non-owners insurance is important in Alabama:

  • Stay Legal: Alabama requires drivers to meet minimum liability insurance standards, even if they don’t own a vehicle.
  • Affordable Protection: Non-owners policies are often cheaper than standard auto insurance and help avoid high out-of-pocket costs after an accident.
  • Continuous Coverage: Maintaining insurance can prevent higher premiums in the future.

Alabama Non-Owners Insurance Coverage Includes:

Property Damage Liability: Protects against costs for damage to another person’s property, with a $25,000 minimum.

Bodily Injury Liability: Covers injuries to others, meeting the state’s minimum of $25,000 per person and $50,000 per accident.

Insurance CarrierEstimated Monthly RateCoverage Type
Progressive$45Liability Only
Dairyland$50Liability Only
Travelers$55Liability Only
Gainsco$47Liability Only
Assurance$49Liability Only
National General$53Liability Only
Bristol West$52Liability Only
Mendota$48Liability Only
The General$46Liability Only
Suncoast$51Liability Only

Note: These rates are estimates and can vary based on individual circumstances.

Common Questions About Non-Owners Insurance in Alabama

Who should get non-owners insurance?
This policy is ideal for drivers who frequently rent or borrow cars, need to maintain continuous coverage, or don’t want to own a vehicle.

Does non-owners insurance cover rental cars?
Yes, but it only includes liability coverage. For additional protection, such as collision or comprehensive coverage, consider options offered by rental agencies.

What happens if you drive without insurance in Alabama?
Driving uninsured can lead to fines, license suspension, and legal trouble. Non-owners insurance helps you stay compliant with Alabama’s laws.


Ready to Save on Non-Owners Insurance in Alabama?

Get affordable, reliable non-owners insurance today. Call us for a free quote or compare rates online now!

What Coverage Options Are Available for Non-Owners Insurance in Alabama?

Do you need car insurance but don’t own a vehicle? Non-owners insurance in Alabama provides essential liability coverage for drivers who borrow or rent vehicles. It’s a smart, affordable choice to stay protected and compliant with Alabama’s insurance laws.

Here’s a breakdown of common coverage options:

  • Liability Coverage: The core of non-owners insurance, this covers the costs of injuries or property damage you might cause while driving someone else’s vehicle.
  • Uninsured Motorist Protection (Optional): Offers financial protection if you’re hit by a driver with no insurance or inadequate coverage.
  • Medical Payments Coverage (Optional): Helps pay for medical expenses after an accident, regardless of fault.
  • Personal Injury Protection (PIP) (Optional): Covers medical costs, lost wages, and other damages for you and your passengers in some cases.
  • Rental Car Liability Coverage: Ensures you meet Alabama’s minimum liability requirements when renting a car.

What Non-Owners Insurance Doesn’t Cover

It’s important to understand the limits of non-owners insurance. Typically, it does not include:

  • Collision Coverage: For repairs to the vehicle you’re driving after an accident.
  • Comprehensive Coverage: For non-collision-related damages like theft or natural disasters.

If you rent vehicles frequently, consider purchasing supplemental coverage from the rental agency for added protection.


Why Choose Non-Owners Insurance?

Non-owners insurance is ideal if you:

Want affordable liability coverage without owning a vehicle.

Frequently rent or borrow cars.

Need continuous coverage to avoid higher premiums in the future.

car insurance coverages explained youtube

How to Get Non-Owners Insurance in Alabama: A Step-by-Step Guide

Need non-owners insurance in Alabama? Follow these simple steps to secure affordable liability coverage, even if you don’t own a vehicle:

  1. Assess Your Needs
    • Determine how often you borrow or rent vehicles.
    • Gather details about your driving history, including any accidents or violations.
  2. Contact Insurance Agents
    • Reach out to licensed agents who specialize in Alabama non-owners policies.
    • Discuss your coverage needs and ask about available discounts.
  3. Compare Quotes
    • Get quotes from top insurance providers like Progressive, Dairyland, and The General.
    • Compare premiums, coverage limits, and optional add-ons.
  4. Verify Alabama’s Requirements
    • Ensure the policy meets the state’s minimum liability requirements (25/50/25).
  5. Select a Policy
    • Choose a policy that offers the right balance of coverage and affordability for your situation.
  6. Review Policy Terms
    • Read the terms carefully to understand coverage limits, exclusions, and optional benefits like uninsured motorist protection.
  7. Provide Information and Pay the Premium
    • Submit your details (such as your driver’s license and payment information) to finalize the policy.
  8. Receive Your Insurance Documents
    • Once payment is complete, you’ll receive proof of coverage, including an insurance card you can carry with you.

Why Follow This Guide?

By following these steps, you’ll simplify the process of obtaining non-owners insurance in Alabama. You’ll also ensure you’re protected while driving borrowed or rented vehicles and remain compliant with state laws.


Ready to Get Non-Owners Insurance in Alabama?

We can help you find the right coverage at a price you can afford. Contact us today for a free quote or start comparing rates online now!


This version is tailored for easy readability, voice search optimization, and user engagement with a clear call-to-action. Let me know if further adjustments are needed!

What Affects Non-Owners Insurance Rates in Alabama?

Wondering how non-owners insurance rates are determined in Alabama? Insurance companies evaluate several factors to calculate your premium. Understanding these factors can help you find the best coverage at the most affordable rate.

Here are the key factors that influence your non-owners insurance rates:

  1. Driving History
    • A clean driving record can significantly lower your rates.
    • Accidents, tickets, or DUI violations can lead to higher premiums.
  2. Credit Score
    • Insurers often use your credit score to assess risk.
    • A higher credit score may qualify you for cheaper rates.
  3. Age and Gender
    • Younger drivers, especially males, typically face higher rates due to perceived risk.
    • Older, experienced drivers often receive lower premiums.
  4. Frequency of Vehicle Use
    • If you regularly rent or borrow vehicles, your rates may be higher due to increased exposure to risk.
  5. Location in Alabama
    • Rates can vary based on where you live.
    • Urban areas like Birmingham or Montgomery may have higher rates than rural areas due to traffic density and accident statistics.

Why Rates Vary by Insurance Carrier

Each insurer—whether it’s Progressive, Dairyland, National General, or The General—uses its own formula to weigh these factors. That’s why it’s essential to compare quotes from multiple providers to find the best deal.


How to Get the Best Rate on Non-Owners Insurance in Alabama

  • Maintain a clean driving record.
  • Improve your credit score if possible.
  • Shop around for quotes from top providers.
  • Work with an experienced agent who can guide you through your options.

Ready to Find Affordable Non-Owners Insurance?

We make it easy to compare rates and coverage options from leading insurance companies. Contact us today or get a free quote online to find the best non-owners insurance in Alabama.

What’s the Difference Between Non-Owners Insurance and Regular Auto Insurance?

Trying to decide between non-owners insurance and regular auto insurance in Alabama? Here’s a quick comparison to help you choose the right option based on your needs.

Non-Owners Insurance

  • Who It’s For: Drivers who frequently rent or borrow cars but don’t own a vehicle.
  • Coverage Provided: Liability coverage for bodily injury and property damage you may cause in an accident.
  • Cost: More affordable than regular auto insurance since it doesn’t cover collision or comprehensive damage.
  • Purpose: Meets Alabama’s state requirements for liability insurance without requiring vehicle ownership.

Regular Auto Insurance

Purpose: Protects both you and your vehicle in a wide range of scenarios, including theft and natural disasters.

Who It’s For: Drivers who own a car and need coverage for their personal vehicle.

Coverage Provided: Comprehensive coverage, including liability, collision, and protection for damages to your own vehicle.

Cost: Higher premiums due to broader coverage options.

Insurance CompanyNon-Owners Insurance ($)Regular Auto Insurance ($)
Progressive$150$300
Dairyland$140$290
Travelers$160$300
Gainsco$170$290
Assurance$155$310
National General$165$280
Bristol West$170$270
Mendota$155$295
The General$145$305
Suncoast$165$320

Affordable Rates and Discounts for Non-Owners Insurance in Alabama

Looking for non-owners insurance in Alabama at affordable rates? You’re on the right track!

This insurance is a must-have for those who often drive rented or borrowed vehicles but don’t own a car.

To help you find the best deal, let’s compare estimated monthly rates from various trusted carriers:

Insurance CarrierEstimated Monthly RateDiscounts Available
Progressive$45Multi-policy, Safe driver
Dairyland$50Defensive driving course
Travelers$55Bundle, Good student
Gainsco$48Safe driver, Renewal
Assurance$52Anti-theft device, Safe driver
National General$49Low mileage, Military
Bristol West$47Automatic payment, Homeowner
Mendota$53Renewal, Multi-vehicle
The General$46Safe driver, Good student
Suncoast$51Defensive driving, Anti-theft device

Note: These rates are approximate and can vary based on individual circumstances.

When considering non-owners insurance, keep in mind:

  • Comparing rates from various carriers can help you find the most cost-effective option.
  • Inquire about discounts – many insurers offer reductions for things like safe driving or bundling policies.
  • Tailoring coverage to your specific needs can lead to savings.

Non-Owners Insurance vs. Broad Form Car Insurance in Alabama

Are you wondering whether non-owners insurance or broad form car insurance is right for you? These two policies serve different purposes and are tailored to meet unique driving needs. Here’s a simple breakdown to help you choose:


Non-Owners Insurance

  • Who It’s For: Drivers who don’t own a car but rent or borrow vehicles occasionally.
  • Coverage: Liability protection for bodily injuries and property damage caused to others.
  • What It Doesn’t Cover: Physical damage to the vehicle you’re driving.
  • Cost: More affordable than broad form insurance, perfect for occasional drivers.
  • Purpose: Ensures you meet Alabama’s minimum liability insurance requirements without owning a vehicle.

Broad Form Car Insurance

Purpose: Ideal for drivers with multiple vehicles or those who frequently switch cars.

Who It’s For: Drivers who want personal coverage across any vehicle they operate.

Coverage: Liability protection and, in many cases, collision and comprehensive coverage for the policyholder.

What It Doesn’t Cover: Other drivers who might use your vehicle—it only applies to the policyholder.

Cost: Higher premiums due to broader coverage options.

Debunking Myths: The Truth About Non-Owners Insurance

When it comes to non-owners insurance Alabama policies, there are a few myths that need clearing up. This type of insurance, often misunderstood, is actually a practical solution for many drivers. Let’s bust some myths and lay out the facts:

  1. Myth: Non-owners insurance is only for people with poor driving records. Truth: It’s ideal for anyone who drives but doesn’t own a car, regardless of their driving history.
  2. Myth: This insurance offers very limited coverage. Truth: Non-owners policies typically include substantial liability coverage, protecting against damage or injuries you might cause to others.
  3. Myth: Non-owners insurance is more expensive than standard auto insurance. Truth: It’s often more affordable, as it doesn’t cover a specific vehicle and mainly provides liability coverage.

Understanding these truths helps in recognizing the value of non-owners insurance.

Whether you’re renting a car in Birmingham or borrowing a friend’s in Mobile, this coverage ensures you’re protected under Alabama’s insurance requirements.

Can You Get Insurance on a Car You Don’t Own in Alabama?

Yes, you can! In Alabama, non-owners insurance is the perfect solution for drivers who don’t own a vehicle but still need liability coverage. Whether you’re borrowing a friend’s car or renting one, this type of policy ensures you’re protected and compliant with state laws.


What Does Non-Owners Insurance Cover?

  • Liability Coverage: Protects you financially if you cause bodily injury or property damage while driving a car you don’t own.
  • Exclusions: Does not cover physical damage to the vehicle you’re driving or any personal injuries you sustain.

Key Benefits of Non-Owners Insurance in Alabama

  1. No Vehicle Ownership Required: You can purchase this policy even if you don’t own a car.
  2. Cost-Effective: Non-owners insurance is generally cheaper than traditional auto insurance because it focuses on liability coverage.
  3. Meets State Requirements: Ensures you’re compliant with Alabama’s liability insurance laws, including the 25/50/25 minimum coverage limits.

Is Non-Owners Insurance Right for You?

Non-owners insurance is ideal if you:

Want a low-cost option to meet Alabama’s insurance requirements.

Borrow or rent cars regularly.

Need to maintain continuous insurance coverage to avoid higher future premiums.

SR22 and Non-Owners Insurance in Alabama: What You Need to Know

Do you need to file an SR22 in Alabama but don’t own a car? Non-owners insurance can be the perfect solution. This type of policy provides liability coverage and fulfills Alabama’s SR22 requirements, ensuring you stay compliant with state laws.


What Is SR22 Non-Owners Insurance?

  • SR22 Filing: An SR22 is a certificate your insurance company files with the state to prove you meet Alabama’s minimum liability insurance requirements.
  • Who Needs It: Drivers who’ve had violations like DUIs, license suspensions, or uninsured driving may be required to file an SR22.
  • Non-Owners Option: If you don’t own a car, you can still meet SR22 requirements with non-owners insurance, which provides liability coverage when driving borrowed or rented vehicles.

Why Choose Non-Owners SR22 Insurance?

Keeps You Insured: Helps maintain continuous coverage, preventing future premium hikes.

Cost-Effective: Non-owners insurance with an SR22 is typically more affordable than traditional auto insurance with an SR22 because it doesn’t cover a specific vehicle.

Meets Legal Requirements: Ensures compliance with Alabama’s state liability limits of 25/50/25 ($25,000 per person, $50,000 per accident, and $25,000 for property damage).

Insurance CarrierEstimated Monthly Rate for Non-Owners SR22
Progressive$60
Dairyland$65
National General$62
The General$58
Suncoast$63

Note: These figures are estimates and may vary based on individual circumstances.

Is Non-Owners SR22 Insurance Right for You?

Non-owners SR22 insurance is ideal if:

You want an affordable way to stay compliant with Alabama’s insurance laws.

You’re required to file an SR22 but don’t own a vehicle.

You occasionally drive borrowed or rented cars.

SR22 Insurance Process

01.

Consultation​

02.

Quote

03.

Filing

04.

Policy Management

Alabama’s State Minimum Liability Requirements for Non-Owners Insurance

In Alabama, the state minimum liability requirements for non-owners insurance are set to ensure financial responsibility for individuals who frequently use vehicles they don’t own.

The mandated coverage includes minimum liability limits that drivers must meet:

  1. Bodily Injury Liability: Alabama requires a minimum coverage of $25,000 per person and $50,000 per accident for bodily injury liability. This coverage compensates for injuries or death caused to others in an accident you’re deemed responsible for.
  2. Property Damage Liability: The state mandates a minimum coverage of $25,000 for property damage liability, which pays for damages you cause to someone else’s property in an accident.
  3. uninsured motorist coverage: Alabama law does not require uninsured motorist coverage, but it is highly recommended. This coverage protects you if you’re in an accident with a driver who does not have insurance or has insufficient insurance. Typically, insurers must offer this coverage at the same limits as your bodily injury liability coverage, but you can choose to decline or select lower limits. The common amounts, if chosen, are usually in line with the bodily injury liability minimums, i.e., $25,000 per person and $50,000 per accident.
  4. Medical Payments (MedPay) or Personal Injury Protection (PIP): In Alabama, Medical Payments coverage (MedPay) or Personal Injury Protection (PIP) are optional. These coverages provide for medical expenses incurred by you and your passengers in an accident regardless of fault. MedPay is more common in Alabama and can cover medical costs, funeral expenses, and sometimes cover lost wages. The limits for MedPay vary and can be chosen based on individual preferences and needs, typically ranging from a few thousand dollars up to higher amounts.

It’s important for drivers in Alabama to consider these additional coverages for better protection, especially given the state’s minimum liability requirements.

What Are Alabama’s State Minimum Liability Requirements for Non-Owners Insurance?

Do you need non-owners insurance in Alabama? Understanding the state’s minimum liability requirements ensures you’re meeting legal standards and staying financially protected. Let’s break down what’s required and recommended:


Alabama’s Minimum Liability Coverage

Non-owners insurance policies must meet these state-mandated liability limits:

  • Bodily Injury Liability:
    • $25,000 per person.
    • $50,000 per accident.
    • Covers medical expenses, lost wages, and other costs for injuries or fatalities caused to others in an accident where you’re at fault.
  • Property Damage Liability:
    • $25,000 per accident.
    • Pays for damages to someone else’s property, such as their vehicle or a fence, caused by an accident you’re responsible for.

Optional but Recommended Coverages

While not required by Alabama law, these additional coverages provide greater financial protection:

  • Uninsured Motorist (UM) Coverage:
    • Protects you if you’re in an accident with a driver who doesn’t have insurance or has insufficient coverage.
    • Often matches bodily injury liability limits ($25,000 per person/$50,000 per accident).
    • Insurers are required to offer UM coverage, but you can decline it if you prefer.
  • Medical Payments (MedPay):
    • Covers medical expenses for you and your passengers after an accident, regardless of fault.
    • Typical limits range from $1,000 to $10,000 or more, depending on your preferences.
    • Can also cover funeral expenses and, in some cases, lost wages.
  • Personal Injury Protection (PIP):
    • An alternative to MedPay that offers broader coverage, including medical costs and lost income.
    • Less common in Alabama but worth considering for extra protection.

Why Consider Additional Coverage?

Alabama’s minimum liability limits provide basic protection, but they may not fully cover costs in severe accidents. Adding optional coverages like uninsured motorist or MedPay ensures:

  • Better financial security in case of major accidents.
  • Protection from uninsured drivers, which is especially important in Alabama.

Stay Protected with Non-Owners Insurance

Need help finding affordable non-owners insurance in Alabama? We can guide you through state requirements and additional coverage options to ensure you’re fully protected. Contact us today for a free quote or compare rates online!

Alabama’s Top Cities: Non-Owners Insurance Rate Comparisons

Non-Owners Insurance in Birmingham: What You Need to Know

If you’re considering non-owners insurance in Birmingham, Alabama, understanding how rates vary in this urban hub is essential. As one of the state’s busiest cities, Birmingham’s insurance rates reflect factors like traffic density, accident statistics, and regional claims trends.

Non-owners insurance is an affordable option for Birmingham residents or frequent visitors who need liability protection without owning a vehicle. It covers bodily injury and property damage liability when you’re driving a rented or borrowed car.

Insurance CarrierEstimated Monthly Rate in BirminghamCoverage Type
Progressive$70Liability Only
Dairyland$75Liability Only
Travelers$72Liability Only
Gainsco$68Liability Only
Assurance$73Liability Only
National General$71Liability Only
Bristol West$74Liability Only
Mendota$69Liability Only
The General$70Liability Only
Suncoast$72Liability Only

Montgomery: Sample Rates and Insights

In Montgomery, the capital city of Alabama, understanding non-owners insurance rates and options is key, especially if you frequently drive a vehicle you don’t own.

This coverage ensures you’re legally protected and financially secure in case of an accident, providing peace of mind whether you’re driving a rented car for business or a friend’s vehicle for a quick errand around the city.

To assist you with a clearer perspective on what to expect in Montgomery, here’s a table showing estimated monthly rates for non-owners insurance from various trusted carriers:

Insurance CarrierEstimated Monthly Rate in MontgomeryCoverage Type
Progressive$62Liability Only
Dairyland$66Liability Only
Travelers$64Liability Only
Gainsco$60Liability Only
Assurance$65Liability Only
National General$63Liability Only
Bristol West$67Liability Only
Mendota$61Liability Only
The General$59Liability Only
Suncoast$64Liability Only

Note: These rates are approximations and can vary.

In Montgomery, the rates for non-owners insurance might differ based on several factors like your driving record and how often you use a non-owned vehicle.

Mobile: Sample Rates and Insights

In Mobile, the need for non-owners insurance in Alabama is as prevalent as in any other major city.

Whether you’re renting a car for a scenic drive along the Gulf Coast or borrowing a friend’s car for a quick errand, having non-owners insurance is a smart and necessary choice.

It provides liability coverage without the need to own a vehicle, ensuring you’re legally covered on Alabama’s roads.

To help you understand the typical rates in Mobile, here’s a comparative table showing estimated monthly rates for non-owners insurance from various carriers:

Insurance CarrierEstimated Monthly Rate in MobileCoverage Type
Progressive$65Liability Only
Dairyland$70Liability Only
Travelers$67Liability Only
Gainsco$64Liability Only
Assurance$68Liability Only
National General$66Liability Only
Bristol West$69Liability Only
Mendota$65Liability Only
The General$63Liability Only
Suncoast$67Liability Only

Note: These are estimated rates and may vary based on individual circumstances.

In Mobile, the rates for non-owners insurance can differ depending on several factors such as your driving history and frequency of vehicle use.

Huntsville: Sample Rates and Insights

In Huntsville, a city known for its technological advancements and space exploration, non-owners insurance plays a vital role for those who frequently drive but don’t own a vehicle.

Whether you’re a contractor hopping between job sites or a student at UAH driving a friend’s car, this insurance type provides essential liability coverage.

It’s an ideal solution for Huntsville residents who need protection on the roads but aren’t car owners themselves.

For a better understanding of what to expect in Huntsville, here’s a table of estimated monthly rates for non-owners insurance from various insurance carriers:

Insurance CarrierEstimated Monthly Rate in HuntsvilleCoverage Type
Progressive$58Liability Only
Dairyland$63Liability Only
Travelers$60Liability Only
Gainsco$59Liability Only
Assurance$61Liability Only
National General$62Liability Only
Bristol West$64Liability Only
Mendota$57Liability Only
The General$56Liability Only
Suncoast$60Liability Only

Note: These are estimated rates and might vary based on individual factors.

In Huntsville, the rates for non-owners insurance can fluctuate based on criteria such as your driving history and how frequently you drive a non-owned vehicle.

Tuscaloosa: Sample Rates and Insights

In Tuscaloosa, home to the University of Alabama and a vibrant community, non-owners insurance is a smart choice for many.

Whether you’re a college student borrowing a friend’s car for a grocery run or a resident frequently renting vehicles for weekend trips, this type of insurance provides essential liability coverage.

It ensures you’re protected without the need for owning a car, which is particularly useful in a city with diverse transportation needs.

To give you a clearer understanding of the local landscape, here’s a table with estimated monthly rates for non-owners insurance in Tuscaloosa from various insurance carriers:

Insurance CarrierEstimated Monthly Rate in TuscaloosaCoverage Type
Progressive$55Liability Only
Dairyland$60Liability Only
Travelers$58Liability Only
Gainsco$54Liability Only
Assurance$56Liability Only
National General$57Liability Only
Bristol West$59Liability Only
Mendota$55Liability Only
The General$53Liability Only
Suncoast$57Liability Only

Note: These are estimated rates and may vary based on individual circumstances.

In Tuscaloosa, the rates for non-owners insurance can vary, influenced by factors such as your driving history and the frequency with which you use non-owned vehicles.

DUI Conviction
Traffic Offenses
No Insurance
License Suspension
Accident Involvement
Reckless Driving

How to Get a Free Quote for Non Owners Insurance in Alabama

01.

Contact Us​

02.

Details

03.

Quote

04.

Decision

Frequently Asked Questions about Non Owners Insurance Alabama Policies


What is non-owners insurance in Alabama?

Non-owners insurance in Alabama provides liability coverage for individuals who don’t own a vehicle but frequently drive borrowed or rented cars. It offers protection if you’re found at fault in an accident while driving a vehicle that you don’t own.

How much coverage is required for non-owners insurance in Alabama?

Alabama’s state minimum liability requirements for non-owners insurance include $25,000 per person and $50,000 per accident for bodily injury liability, along with $25,000 for property damage liability.

Where can I get non-owners insurance in Alabama?

For personalized assistance and competitive quotes on non-owners insurance in Alabama, call us at 1.888.445.2793.

Here’s What Our Clients Say About Us​

Last Updated on by Brian Muse

Spread the love
Scroll to Top