State Farm’s website describes a non-owner policy only for California. There it’s called Personal Mobility coverage, and State Farm says it’s “currently available only to California residents.” It includes liability coverage plus comprehensive and collision with $500 deductibles, so unlike most non-owner policies, it can cover damage to a rental car.
If you live in another state, State Farm’s site doesn’t describe a non-owner option. Ask a State Farm agent, and compare insurers that sell non-owner policies where you live.
Key Takeaways
- State Farm’s non-owner product, Personal Mobility coverage, is currently available only to California residents, according to State Farm.
- It includes liability, comprehensive and collision with $500 deductibles, uninsured motor vehicle property damage coverage and Emergency Road Service.
- Outside California, State Farm’s website doesn’t describe a non-owner policy. Ask an agent, or look at insurers that offer non-owner coverage in your state.
- If you need an SR-22 without owning a car, confirm that the policy can carry the filing before you buy. State Farm doesn’t publish SR-22 details online.
What State Farm’s Personal Mobility Coverage Includes
State Farm’s Personal Mobility page says non-owner car insurance “helps provide protection while driving or occupying a rented or borrowed car” if you don’t own a car. It lists these coverages:
- Bodily injury and property damage liability
- Uninsured motor vehicle property damage coverage
- Comprehensive, with a $500 deductible
- Collision, with a $500 deductible
- Emergency Road Service
State Farm adds that it could also provide passenger or pedestrian benefits, such as medical payments and uninsured motor vehicle coverage. To buy it, State Farm says to contact a State Farm agent about non-owner coverage options.
How It Works With Rental Cars
This is where Personal Mobility coverage stands out. State Farm says, “Damage to the rental could be covered, minus a $500 deductible, up to what state law requires.” It “could also cover loss of use and other related administrative charges” that the rental company bills you under the rental contract. State Farm also says the coverage may cost less than buying protection through a rental company.
If You Live Outside California
State Farm’s website doesn’t describe a non-owner policy for other states, and it doesn’t say one isn’t available. Ask a State Farm agent what they can offer where you live.
Other large insurers do sell non-owner policies more broadly. RateFrog’s articles on Progressive non-owner insurance and GEICO non-owner insurance explain their versions. Most non-owner policies focus on liability and don’t pay for damage to the car you’re driving, so compare coverage as well as price.
Do You Need Non-Owner Coverage?
It depends on how you drive cars you don’t own:
- You borrow a friend’s car now and then. The owner’s insurance usually pays first. State Farm’s article on lending your car says, “Typically, even if the person driving your car has their own insurance, your insurance will be the primary payer.” A non-owner policy can add liability protection if the damages go beyond the owner’s limits.
- You rent cars often. A non-owner policy can cover your liability, and in California, State Farm’s version can also cover damage to the rental. RateFrog’s article on State Farm rental car coverage explains how a regular State Farm policy handles rentals.
- You live with the car’s owner. Non-owner coverage generally isn’t meant for cars owned by people in your household. Being listed on the owner’s policy is usually the better fit.
- You need an SR-22 but don’t own a car. A non-owner policy with an SR-22 filing is a common solution. Confirm the insurer can file one on the policy before you buy.
RateFrog’s non-owner car insurance guide covers these situations in more detail.
What About an SR-22?
State Farm’s website doesn’t say whether it files SR-22 forms or whether its non-owner coverage can carry one. Its policy booklets do include a clause for policies certified as proof of future financial responsibility, which is what an SR-22 does, and a State Farm article on high-risk insurance describes an SR-22 as “a certificate of financial responsibility that proves you have insurance coverage.” Ask a State Farm agent whether they can file one in your state. RateFrog’s SR-22 guide explains how the filing works.
Frequently Asked Questions
Does My Regular State Farm Policy Cover Me in a Car I Don’t Own?
It can. State Farm’s Texas policy form, for example, extends liability coverage to a “non-owned car,” generally as excess over the owner’s insurance. The definition excludes cars owned by people in your household and cars you’ve used for more than 30 days in a row. Check your own policy, since forms vary by state.
How Much Does State Farm Non-Owner Insurance Cost?
State Farm doesn’t publish a price. It says Personal Mobility coverage may cost less than buying coverage through a rental company. Your agent can give you a quote.
Does State Farm Non-Owner Insurance Cover Damage to the Car I’m Driving?
State Farm’s California Personal Mobility coverage includes comprehensive and collision with $500 deductibles, and State Farm says damage to a rental could be covered. For a borrowed car, the owner’s insurance usually pays first, so ask your agent how the two policies would work together. Most non-owner policies from other insurers don’t cover damage to the car you’re driving.