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Home > Non-Owned Auto Insurance | Kansas City, KS and MO

Non-Owned Auto Insurance in Kansas City, KS and MO


Non-Owned Auto Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Non-Owned Auto Quote

Non-Owned Auto Insurance Information

A non-owned vehicle insurance policy may help cover your legal liability for accident-related injuries and property damage if you cause an accident while driving a borrowed or rented vehicle. This policy may be ideal for people who need auto liability coverage but don’t own a vehicle.  

Non-owner insurance policies are typically less expensive than regular car insurance policies. Working closely with your agent is crucial to get the best possible non-owned vehicle insurance premiums. 

Contact Auto Insurance Discounters in Kansas and Missouri to learn more about your car insurance options. 

Can You Get Car Insurance If You Don’t Own a Vehicle? 
You can still get car insurance if you don’t own a car but will be driving someone else’s vehicle. It’s called non-owner car insurance, and it protects you if you cause injuries or damages in an accident. This type of insurance can be useful if the car owner’s insurance coverage isn’t enough to pay for all the costs, or if their policy does not cover you. The insurance company’s rules and the accident’s specifics will determine if you can get coverage. 

Who Needs Non-Owned Vehicle Insurance? 
If you drive often but don’t have your own car, a non-owner insurance policy can protect you if you cause harm to others or damage their property in an accident. 

A non-owner auto insurance policy can be a good option in the following situations: 

  • Borrowing cars—A non-owner policy can provide liability coverage if you frequently borrow cars but don’t own a car. The vehicle owner’s collision and comprehensive policies may cover damage to the vehicle in an accident, but your non-owned vehicle policy would not cover those damages.
  • Car-sharing services—A non-owner policy can give you extra liability coverage beyond what the company offers if you use car-sharing or short-term rental services. Check with your agent to understand whether you may need additional coverage with a car-sharing service.
  • Renting cars frequently—A non-owner car insurance policy might be cheaper than purchasing liability coverage from the rental company each time your rent a vehicle. However, it won’t cover any damage to the rental car. Adding a collision damage waiver from the rental company can enhance your liability coverage from the non-owner policy. 

What Does Non-Owned Vehicle Insurance Cover? 
Non-owner insurance not only provides liability coverage but may also include medical payments, personal injury protection and coverage for accidents with drivers who don’t have insurance or don’t have enough insurance. 

How to Get Non-owned Vehicle Insurance in Missouri and Kansas 
Contact Auto Insurance Discounters with offices in Independence and Kansas City, Missouri, and Kansas City, Kansas, to get personalized non-owned vehicle insurance quotes.  
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Our Locations
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Independence, MO
1312 South Noland Rd. | Independence, MO 64055 | 816.252.2255
Kansas City, MO
1151 Cleaver II Blvd. | Kansas City, MO 64110 | 816.822.7722
Kansas City, KS
4038 State Ave. | Kansas City, KS 66102 | 913.371.2255
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