Yes. Progressive sells non-owner car insurance, and it can file an SR-22 on a non-owner policy if your state requires one. A non-owner policy gives you liability coverage when you drive a car you don’t own. It doesn’t pay for damage to the car you’re driving.
To get a quote, Progressive lists 1-866-749-7436 on its non-owner insurance page. That number also handles SR-22 filings.
Key Takeaways
- Progressive’s non-owner policy covers injuries and property damage you cause while driving a car you don’t own. It generally doesn’t cover the car itself, theft or your own injuries.
- Progressive lists uninsured and underinsured motorist coverage, medical payments and personal injury protection as optional coverages to consider.
- If you regularly borrow a car from someone in your household, Progressive says the owner should add you to their policy instead.
- Progressive can file an SR-22 on a non-owner policy, so you can meet an SR-22 requirement without owning a car.
What Progressive’s Non-Owner Policy Covers
Progressive’s non-owner insurance page says a non-owner policy “can provide coverage for property damage or injuries you’re responsible for after an accident if you drive regularly but don’t own a car.” It also explains that the policy “primarily covers you as the driver, not a specific car.”
Liability is the core. On top of that, Progressive lists personal injury protection, medical payments, uninsured motorist and underinsured motorist coverage as “Additional optional coverages to consider.” What’s available depends on your state.
What It Doesn’t Cover
Progressive says non-owner insurance “typically doesn’t cover damage to the car you’re driving or provide coverage for theft, vandalism, or weather damage.” Your own injuries aren’t covered either unless you add medical coverage. When you rent a car, Progressive says a non-owner policy “won’t cover any physical damage to the rental car,” so you’d need the rental company’s damage waiver or a credit card benefit for that.
How It Works When You Borrow a Car
Progressive notes that “Car insurance usually follows the car and not the driver.” So when you borrow a friend’s car, the friend’s insurance normally pays first, and your non-owner policy can help if the damages go beyond the owner’s limits. Neither policy’s liability coverage pays to repair the car you borrowed.
Who Should Consider Progressive Non-Owner Insurance
- People who rent cars often. Progressive says it may be cheaper over time than buying liability coverage from the rental company every time.
- People who borrow cars from friends or relatives they don’t live with.
- People who use car-sharing services and want liability coverage beyond what the service provides.
- Drivers who need an SR-22 but don’t own a car.
- Drivers between cars who want to avoid a gap in coverage.
It’s not the right fit for everyone. Progressive says, “If you regularly borrow a car from someone in your household, then the owner should instead add you to their insurance policy.” And “If you drive a car a few times a year, then it may not make sense to pay for a non-owner car insurance policy.”
Getting a Non-Owner SR-22 From Progressive
Progressive’s non-owner SR-22 page says, “Progressive can provide an SR-22 quickly and easily for your non-owners insurance policy.” For new customers in most states, Progressive says it files the SR-22 electronically right after you buy the policy, and by mail in some states. RateFrog’s articles on Progressive’s SR-22 fee and SR-22 requirements by state have more detail.
How to Get a Quote
Progressive says that depending on the insurer, you may be able to quote a non-owner policy online, over the phone or through a local agent. Its non-owner page offers a quote button and the phone number 1-866-749-7436. Calling is the surest way to make sure you’re quoted for a non-owner policy, especially if you also need an SR-22. Progressive also sells through independent agents.
For a broader look at how non-owner coverage works across insurers, see RateFrog’s non-owner car insurance guide. If you’re comparing companies, our article on GEICO non-owner insurance covers GEICO’s version. State Farm’s is more limited: its site describes a non-owner policy only for California, as our article on State Farm non-owner insurance explains.
Frequently Asked Questions
Is Progressive Non-Owner Insurance Cheaper Than a Regular Policy?
Usually. Progressive says non-owner insurance “typically costs less than what you’d pay for the same level of liability coverage on a car you own,” though your price depends on your driving record, location and the limits you choose.
Can I Get Progressive Non-Owner Insurance If I Live With the Car’s Owner?
Progressive says that if you regularly borrow a car from someone in your household, the owner should add you to their policy instead of you buying non-owner coverage.
Does Progressive Non-Owner Insurance Cover Rental Cars?
It covers your liability when you drive a rental. It won’t pay for damage to the rental car itself, so consider the rental company’s damage waiver or a credit card benefit.