Non Owners Insurance Guide

Non Owners Insurance in Idaho: A Complete Guide

Looking for Non-Owners Insurance in Idaho? A Plus Insurance offers tailored coverage. Call us now for a free quote that fits your needs!

Idaho State Liability Requirements

Required Liability Coverage:
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$15,000 property damage liability per accident
Uninsured Motorist Coverage: Rejection Form

Understanding Non-Owners Insurance: A Basic Guide for Idaho Residents

For Idaho residents who don’t own a car but occasionally find themselves behind the wheel, non-owners insurance is a valuable option to consider. This type of insurance provides liability coverage for bodily injury and property damage caused while driving a vehicle you don’t own, such as a rental or a friend’s car. It’s an ideal solution for maintaining continuous insurance coverage, which can be beneficial in keeping future insurance rates lower. Especially in Idaho, where driving conditions can vary from urban to rural settings, non-owners insurance ensures you’re legally covered when you need to drive.

Non-owners insurance in Idaho is particularly useful for those who require an SR-22 but do not own a vehicle. It’s a cost-effective way to meet the state’s insurance requirements without the expense of owning a car. When selecting a policy, it’s important to compare options from various insurers to ensure you get coverage that aligns with your driving habits and budget.

Estimated Non-Owners Insurance Rates from Various Carriers in Idaho:

Insurance CarrierEstimated Monthly RateCoverage Type
Progressive$50Liability
Dairyland$55Liability
Travelers$52Liability
Gainsco$53Liability
Assurance America$51Liability
National General$54Liability
Bristol West$56Liability
Mendota$57Liability
The General$58Liability
Suncoast$49Liability

Note: These rates are estimates and can vary.

Who Benefits from Non-Owners Insurance in Idaho?

Non-Owners Insurance in Idaho caters to various individuals. It’s beneficial for frequent car renters, those without personal vehicles but occasionally drive, and drivers seeking continuous liability coverage. This insurance extends protection to individuals who borrow cars or use rental services regularly. It ensures financial security in unforeseen circumstances, providing liability coverage when operating vehicles not owned by the insured.

Who Benefits from Non-Owners Insurance in Idaho?

  • Frequent car renters
  • Occasional drivers without personal vehicles
  • Individuals borrowing cars regularly
Insurance CompanyAverage 6 Mo. Premium
Progressive$300
Dairyland$280
Travelers$320
Gainsco$310
Assurance$290
National General$330
Bristol West$300
Mendota$310
The General$320
Suncoast$310

Please note: Rates provided are estimated annual premiums for non-owners insurance with a liability coverage amount of $50,000. Actual rates may vary based on individual circumstances and are subject to change.

Coverage Options: Tailoring Your Non-Owners Insurance in Idaho

In Idaho, non-owners insurance provides a flexible and essential solution for those who frequently drive but don’t own a vehicle. This type of insurance primarily offers liability coverage, which is crucial for protecting you against financial responsibilities if you cause an accident while driving a borrowed or rented car. It’s especially important in a state like Idaho, where diverse driving environments—from busy city streets to rural roads—can present varying risks. Tailoring your non-owners insurance means choosing the right liability limits to match your specific needs, ensuring you have sufficient protection in case of an accident.

While non-owners insurance in Idaho primarily covers liability, some policies may offer additional options like uninsured/underinsured motorist coverage or medical payments coverage, depending on the insurer. It’s crucial to assess your driving habits and potential risks to determine the appropriate coverage level. Remember, non-owners insurance doesn’t cover damages to the vehicle you’re driving, so it’s a budget-friendly option for those who need basic protection without the comprehensive coverage of a standard auto policy.

Common Coverage Options in Non-Owners Insurance:

  1. Liability Coverage: Bodily injury and property damage liability.
  2. Uninsured/Underinsured Motorist Coverage: Optional in some policies.
  3. Medical Payments Coverage: Can be included for additional protection.
  4. SR-22 Certification: For those required to prove financial responsibility.
  5. Personal Injury Protection (PIP): Depending on the insurer and state regulations.
  6. Flexible Liability Limits: Choose limits that best suit your needs.

Comparing Non-Owners Insurance with Regular Auto Insurance in Idaho

In Idaho, the choice between non-owners insurance and regular auto insurance hinges on your vehicle ownership status and insurance needs. Non-owners insurance is tailored for individuals who don’t own a vehicle but occasionally drive, such as a rental car or a friend’s car. This type of policy predominantly offers liability coverage, safeguarding you against damages or injuries you may cause to others in an accident. It’s a practical solution for those in Idaho who need continuous insurance coverage, especially for maintaining an SR-22 certification without owning a car.

On the other hand, regular auto insurance is comprehensive and designed for vehicle owners. It typically includes a wide range of coverages such as liability, collision, comprehensive, and often medical payments and uninsured/underinsured motorist coverage. For Idaho residents, regular auto insurance provides extensive protection for both the driver and the vehicle under various driving conditions.

Comparison Table: Non-Owners vs. Regular Auto Insurance

FeatureNon-Owners InsuranceRegular Auto Insurance
Vehicle OwnershipNot requiredRequired
Coverage ScopeLiability onlyBroad (liability, collision, comprehensive, etc.)
Ideal forOccasional driversRegular vehicle users
Policy CostGenerally lowerVaries, typically higher
Coverage for Vehicle DamageNot includedIncluded (collision and comprehensive)
SR-22 CompliancePossiblePossible
Personal Injury ProtectionNot typically includedOften included
Uninsured Motorist CoverageVaries by policyCommonly included

Note: This table provides a general comparison. Specifics can vary based on policy details and insurance providers.

Finding Affordable Rates and Discounts for Non-Owners Insurance in Idaho


Absolutely, here’s a comprehensive guide on “Finding Affordable Rates and Discounts for Non-Owners Insurance in Idaho”:


Seeking pocket-friendly options for non-owners insurance in Idaho? There are various discounts and strategies to explore. Insurers like Progressive and Dairyland offer competitive rates. Leverage discounts such as good driver incentives or multi-policy savings to secure affordable coverage without compromising quality.

  • Available Discounts Include:
    • Good driver discounts
    • Multi-policy savings

Looking for cost-effective non-owners insurance in Idaho? Companies like Travelers and Gainsco could provide suitable solutions. Explore tailored discounts like good driver incentives or multi-policy savings to ensure cost-efficient coverage. These discounts cater to your needs without compromising on the quality of protection.

Non-Owners vs Broad Form Car Insurance: Choosing What’s Best in Idaho

In Idaho, understanding the differences between non-owners insurance and Broad Form Car Insurance can help you make an informed decision about your auto insurance needs. Non-owners insurance is specifically designed for individuals who do not own a car but still need liability coverage for instances when they drive someone else’s vehicle, like a rental or a friend’s car. This policy is an excellent option for Idahoans who occasionally drive but want to ensure they are covered for liability, particularly useful for maintaining continuous insurance coverage.

On the other hand, Broad Form Car Insurance is a more comprehensive policy that insures you, the driver, for any vehicle you might operate. This type of insurance is beneficial for those in Idaho who own multiple vehicles or frequently use different cars. Unlike non-owners insurance, Broad Form covers the driver regardless of the vehicle they are driving, offering a broader scope of protection.

Key Differences:

  1. Ownership: Non-owners for those without a car, Broad Form for multiple vehicle users.
  2. Coverage Scope: Non-owners is liability-only, Broad Form covers the driver in any vehicle.
  3. Ideal User: Non-owners for occasional drivers, Broad Form for those with access to multiple cars.
  4. Flexibility: Non-owners is more restricted, Broad Form offers greater flexibility.
  5. Policy Purpose: Non-owners is for specific situations, Broad Form is more general.

Dispelling Common Myths About Non-Owners Insurance in Idaho

Myth: Non-owners insurance is the same as regular car insurance.

Fact: Non-owners insurance is designed for individuals who don’t own a car but occasionally drive. It offers liability coverage, not vehicle-specific coverage like comprehensive or collision insurance.

Myth: It’s expensive and not worth it if you don’t own a car.

Fact: Non-owners insurance is often more affordable compared to standard auto policies. It’s a cost-effective solution, providing liability coverage when driving vehicles you don’t own.

Myth: Non-owners insurance covers rental cars.

Fact: While it might offer some liability coverage for rentals, it’s not a substitute for the rental company’s insurance. It’s crucial to check the rental company’s policies for adequate coverage.

SR22 Non Owners Idaho Insurance

In Idaho, if you’re required to file an SR22 form due to certain driving infractions but don’t own a vehicle, non-owners insurance is an excellent option. This insurance type provides the necessary liability coverage to fulfill state SR22 requirements, demonstrating to the Idaho Transportation Department that you carry the minimum insurance coverage mandated by law. This is particularly important after incidents such as DUIs, reckless driving, or driving without insurance. Non-owners insurance with SR22 is a strategic and often more affordable choice compared to standard auto insurance policies, as it covers only liability rather than a specific vehicle.

When considering non-owners insurance for SR22 in Idaho, it’s crucial to understand that while it satisfies the SR22 mandate, it doesn’t cover damages to the vehicle you’re driving or your injuries in the event of an accident. Comparing rates and coverage from different insurers is advisable to find a policy that meets your legal and financial needs.

Estimated Non-Owners SR22 Insurance Rates from Various Carriers in Idaho:

Insurance CarrierEstimated Monthly Rate (SR22 Non-Owners)Coverage Type
Progressive$65Liability
Dairyland$70Liability
Travelers$68Liability
Gainsco$67Liability
Assurance America$66Liability
National General$71Liability
Bristol West$72Liability
Mendota$73Liability
The General$74Liability
Suncoast$64Liability

Note: Rates are estimates and can vary.

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Consultation​

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02.

Quote

Receive your SR22 insurance quote, customized to your unique needs and credit profile

03.

Filing

We work closely with the insurance carrier to ensure that the sr22 is filed with the state

04.

Policy Management

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Understanding how Cities and Zip Codes Affect Non Owners Insurance Idaho Rates

In Idaho, non-owners insurance rates can significantly vary based on your city and zip code. Urban areas like Boise often have higher insurance rates due to factors such as increased traffic density, higher accident rates, and the likelihood of theft or vandalism. For Idaho residents considering non-owners insurance, it’s essential to understand that your location plays a critical role in determining your premiums. For those living in or frequently visiting busy areas, expect to see higher rates reflecting the increased risk associated with more populated and active regions.

Reasons Your Rates Jumped Thumbnail
2024 non owners insurance Idaho

Boise: Non-Owners Insurance Rates Breakdown

Focusing on Boise, Idaho’s capital and largest city, non-owners insurance rates reflect its urban environment. With a bustling downtown, busy roadways, and a higher population density, Boise’s non-owners insurance rates are typically higher compared to more rural areas of Idaho. This is due to the greater likelihood of accidents and claims in city settings. For Boise residents or those who often drive in the city without owning a car, comparing rates from various insurers is a smart way to find the most cost-effective coverage.

Estimated Non-Owners Insurance Rates in Boise:

Insurance CarrierBoise Estimated Monthly RateIdaho Average Rate
Progressive$55$50
Dairyland$60$55
Travelers$58$53
Gainsco$57$52
Assurance America$56$51
National General$61$56
Bristol West$62$57
Mendota$63$58
The General$64$59
Suncoast$54$49

Note: These rates are estimates and can vary.

Meridian: Insights into Non-Owners Insurance Rates

Meridian, known for its family-friendly atmosphere and expanding urban areas, typically sees non-owners insurance rates that reflect its unique blend of suburban and metropolitan characteristics. The growing population and increased traffic can lead to higher premiums compared to more rural Idaho locations. For those utilizing non-owned vehicles in Meridian, whether it’s a borrowed car or a rental, obtaining non-owners insurance is a smart move to ensure legal compliance and financial protection on the road. It’s advisable to compare quotes from different insurance providers to find a policy that suits your specific needs in Meridian.

Estimated Non-Owners Insurance Rates in Meridian:

Insurance CarrierMeridian Estimated Monthly RateIdaho Average Rate
Progressive$53$50
Dairyland$58$55
Travelers$56$53
Gainsco$55$52
Assurance America$54$51
National General$59$56
Bristol West$60$57
Mendota$61$58
The General$62$59
Suncoast$52$49

Note: These rates are estimates and may vary.

Nampa: A Look at Non-Owners Insurance Costs

Nampa, with its blend of urban and rural elements, can have varied non-owners insurance rates. The city’s growing population and development might lead to higher insurance rates due to increased risks on the road compared to more rural areas in Idaho. Those seeking non-owners insurance in Nampa should compare rates from various insurers to find a policy that offers the right balance of coverage and cost, reflecting their specific driving needs and the local driving environment.

Estimated Non-Owners Insurance Rates in Nampa:

Insurance CarrierNampa Estimated Monthly RateIdaho Average Rate
Progressive$51$50
Dairyland$56$55
Travelers$54$53
Gainsco$53$52
Assurance America$52$51
National General$57$56
Bristol West$58$57
Mendota$59$58
The General$60$59
Suncoast$50$49

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

Idaho Falls: Non-Owners Insurance Rate Overview

Idaho Falls, with its smaller urban footprint and lower crime rates, can offer more favorable non-owners insurance rates compared to larger cities in Idaho. This type of insurance is particularly beneficial for occasional drivers in Idaho Falls who need to maintain continuous insurance coverage. It’s advisable to compare quotes from various insurers, as rates can vary based on individual driving history and the specific requirements of each insurance provider.

Estimated Non-Owners Insurance Rates in Idaho Falls:

Insurance CarrierIdaho Falls Estimated Monthly RateIdaho Average Rate
Progressive$49$50
Dairyland$54$55
Travelers$52$53
Gainsco$51$52
Assurance America$50$51
National General$55$56
Bristol West$56$57
Mendota$57$58
The General$58$59
Suncoast$48$49

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

Pocatello: Comparative Non-Owners Insurance Rates

In Pocatello, known for its academic and cultural vibrancy, non-owners insurance rates may be influenced by factors such as the presence of Idaho State University and seasonal changes in population density. While generally more affordable than standard auto insurance, non-owners insurance rates in Pocatello can vary. It’s advisable for residents and frequent visitors to compare rates across different insurance providers, ensuring they find a policy that not only meets their liability needs but is also cost-effective.

Estimated Non-Owners Insurance Rates in Pocatello:

Insurance CarrierPocatello Estimated Monthly RateIdaho Average Rate
Progressive$47$50
Dairyland$52$55
Travelers$50$53
Gainsco$49$52
Assurance America$48$51
National General$53$56
Bristol West$54$57
Mendota$55$58
The General$56$59
Suncoast$46$49

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

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Why Would I Need An SR22?

An SR-22 is a certificate proving you have the required liability coverage, often mandated after serious driving offenses. Reasons for needing one include DUI convictions, multiple traffic violations, or driving without insurance.

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

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

01.

Contact Us​

Start by reaching out to us, either online, by phone, or in person. Provide basic personal and vehicle information to initiate the quote process.

02.

Details

Provide more detailed information about your driving history, the vehicle you wish to insure, and any specific coverage needs or preferences you have

03.

Quote

We will process your information and present you with a customized insurance quote, outlining coverage options and prices tailored to your needs.

04.

Decision

Review the provided quote at your leisure. If you decide to proceed, you can finalize the policy, setting up payment and coverage start dates.

Frequently Asked Questions about Non Owners Insurance Idaho Policies


What does non-owners insurance in Idaho cover?

Non-owners insurance in Idaho typically covers liability for accidents involving vehicles you don’t own.

Is non-owners insurance in Idaho expensive?

Costs vary but generally, non-owners insurance in Idaho tends to be more affordable than standard car insurance.

How can I get a quote for non-owners insurance in Idaho?

For a tailored quote on non-owners insurance in Idaho, call us at 1.888.445.2793.

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Last Updated on by Alexis Karapiperis

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