Driving a car you don’t own? Non-owner car insurance can provide affordable liability coverage when you rent, borrow vehicles, or share a car registered under someone else’s name. This guide will explain everything you need to know about non-owner policies in Oregon including costs, requirements, and the best providers.
What is Non-Owner Car Insurance?
Non-owner car insurance provides liability protection when operating a vehicle that doesn’t belong to you. It covers bodily injury and property damage that you cause to others when driving a non-owned car.
Non-owner policies do NOT cover:
- Damage to the borrowed car itself
- Your medical bills
- Collision or comprehensive damage
This type of insurance is ideal for drivers who:
- Regularly drive rental cars or borrow vehicles
- Have a suspended license but need to drive
- Want to avoid gaps in their insurance history
- Need to meet SR-22 requirements
Non-owner insurance serves as secondary coverage that kicks in after the primary policy limits are exhausted.
Oregon Requirements for Non-Owner Car Insurance
To legally drive in Oregon, you must carry these minimum auto liability limits:
- $25,000 bodily injury per person
- $50,000 bodily injury per accident
- $20,000 property damage
So your non-owner policy must include at least this much coverage. Additional protection like uninsured motorist or personal injury protection are optional.
Who Needs Non-Owner Insurance in Oregon?
Here are some common situations when getting a non-owner policy in Oregon makes sense:
New teen drivers – Teens can get experience with an affordable policy until they purchase their own car.
Drivers with suspended licenses – A non-owner policy provides legal coverage even with a suspended license.
Senior drivers – Older drivers who gave up their keys can maintain insurance to drive borrowed vehicles occasionally.
Regular car renters – Non-owner insurance can be much cheaper than renting policies from agencies.
Rideshare drivers – Rideshare services don’t provide coverage for driving personal vehicles. Non-owner insurance fills this gap.
Those needing an SR-22 – A non-owner policy satisfies SR-22 requirements if you don’t have a car.
Military personnel – Temporary coverage for personnel stationed in Oregon without registering a car locally.
Infrequent drivers – For those who only borrow vehicles once in a while, a non-owner policy saves money over a regular car policy.
Cost of Non-Owner Insurance in Oregon
On average, non-owner car insurance costs approximately $300 to $800 per year in Oregon. Rates vary depending on factors like:
- Your age and driving record
- Desired liability limits
- Credit score
- Location in Oregon
- Annual mileage
- Selected insurance company
Compared to standard auto policies, non-owner insurance tends to be more affordable since there is no vehicle to cover. But premiums are still based primarily on your risk profile as the driver.
How to Get Non-Owner Car Insurance in Oregon
Follow these steps when purchasing a non-owner policy in Oregon:
Determine the coverage you need beyond state minimums. Bodily injury, uninsured motorist, and personal injury protection are popular add-ons.
Get quotes from at least 3 top insurers like State Farm, Allstate, and GEICO. Compare pricing and offerings.
Provide personal details to apply, like your driver’s license, Social Security Number, and vehicles you may drive.
Select the best non-owner policy option based on your budget and needs.
Provide a down payment upfront, then pay your premium monthly or in full.
Review all policy documents carefully when received. Verify you have adequate protection.
Notify any lenders if their car will be covered under your new non-owner policy.
Top Non-Owner Car Insurance Companies in Oregon
|Average Annual Premium
GEICO and State Farm offer the most affordable non-owner insurance premiums in Oregon on average. But every insurer uses different formulas, so get multiple quotes.
Consider customer satisfaction, financial strength, available discounts, and extra policy perks when choosing the best non-owner car insurance company for your needs.
Discounts to Ask About
Be sure to inquire about any discounts that may help lower your non-owner insurance costs, such as:
- Multi-policy discount for bundling with renters or homeowners insurance
- Good driver discount for 3+ years accident-free
- Defensive driving course discount
- Good student discount for young drivers with high GPAs
- Paperless billing and autopay discounts
Bear in mind that discounts vary widely by insurer and some may not apply to non-owner policies.
Can I File a Non-Owner Claim in Oregon?
Yes, the process for filing a non-owner insurance claim is the same as a standard auto policy claim. If you cause an accident while driving a non-owned car, take these steps:
- Exchange insurance information with other drivers involved
- Take photos of damage and the accident scene
- Get a police report for major accidents
- Contact your non-owner insurer as soon as possible to start your claim
- Provide details like the date, location, witnesses, and nature of the accident
- Mail all medical bills, repair estimates, and related documents to your insurer
Your claim adjuster will investigate and confirm primary coverage before processing payments for any expenses exceeding those policy limits.
When is Non-Owner Insurance Required in Oregon?
The most common situation when non-owner car insurance is mandatory in Oregon is if you are required to file an SR-22 but do not have a registered vehicle.
An SR-22 provides proof of liability coverage to the DMV following serious violations. If your license was suspended or revoked, the DMV likely requires you to carry insurance and file an SR-22 to have driving privileges reinstated.
Purchasing a non-owner policy satisfies the state’s SR-22 filing requirement in this situation. The insurance company files the SR-22 form with the state on your behalf as evidence you are insured.
Alternatives to Non-Owner Car Insurance in Oregon
While non-owner insurance provides the most flexible coverage, here are a couple alternatives in Oregon to consider:
Pay-per-mile insurance – Metromile offers pay-per-use insurance with no base rate, so you only pay for the exact miles driven. The downside is mandatory tracking and minimum policy terms.
Rental car insurance – When renting, buying supplemental liability insurance through the rental company provides short-term coverage. But this gets very costly for frequent renters.
Borrowing a car – Borrowing a friend or family member’s car instead of renting can be cheaper, but only if you are listed as a driver on their policy.
Public transportation – Completely avoiding driving is the lowest cost option, though inconvenient.
For Oregon drivers requiring regular, affordable liability protection, a properly structured non-owner insurance policy is typically the best approach.
The Bottom Line
Driving without car insurance in Oregon can lead to fines, license suspension, vehicle impoundment, and other penalties. Non-owner insurance provides affordable coverage when you don’t own a car but still need to legally operate vehicles.
Comparing premium estimates from leading insurers and asking about available discounts will help you find the lowest rates. With the right non-owner car insurance policy, you can focus on driving safely without breaking the bank for coverage.
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