Non-Owner Car Insurance in Texas (2026)
Non-owner car insurance is a liability policy for Texas drivers who don’t own a car but drive other people’s cars or need an SR-22.
Secure. Free. Easy-to-use.
Excellent
)
Written byJanet Berry-Johnson
)
8+ years writing about insurance, taxes, and personal finance
Certified public accountant
Janet applies her experience in personal finance, taxes, and accounting to make complex financial topics accessible. Her byline has appeared on numerous web media.
Featured in
){kind=logo}
){kind=logo}
){kind=logo}
){kind=small}
)
Edited byAshley Cox
)
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Featured in
){kind=logo}
){kind=small}
){kind=small}
){kind=small}
Updated
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Advertiser Disclosure
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Table of contents
Table of contents
Non-owner car insurance is a special type of car insurance designed for people who don’t own a car but frequently drive other people’s cars. This coverage is ideal for people who rent cars regularly, borrow vehicles from friends or family, or use a car-sharing service.
Non-owner car insurance provides liability protection to cover damages and injuries you may cause to others while driving a vehicle that isn’t yours. But it won’t cover your injuries or damage to the car you’re driving.[1]
Here’s what you should know about comparing quotes and finding a non-owner policy in Texas.
Quick Facts
A liability-only insurance policy in Texas costs an average of $118 per month. Non-owner car insurance could cost less than this, making it a cost-effective option compared to a standard liability policy.
A non-owner insurance policy includes bodily injury and property damage liability but not comprehensive or collision coverage.
Many major car insurance companies, like GEICO and Progressive, offer non-owner car insurance, making it accessible and easy to find.
What is non-owner car insurance in Texas, and who needs it?
In Texas, non-owner car insurance is insurance for drivers without a car. It provides bodily injury and property damage liability coverage for injuries or damage you cause while driving someone else’s car.
You might need non-owner car insurance if you often rent cars, borrow from a friend or family member, or use car-sharing services. For example, if you frequently rent vehicles for business trips, buying a non-owner car insurance policy might be more affordable than buying coverage through the car rental company every time you rent.
Texas law may require non-owner car insurance for people who need to file an SR-22 certificate. An SR-22 is a certificate that an insurance company issues confirming you have the minimum liability insurance required by law.[2]
Important Information
You may need to have an SR-22 if you’ve had your driver’s license suspended due to traffic violations, driving while intoxicated (DWI) or driving under the influence (DUI) of drugs or alcohol, and other serious infractions. If you need an SR-22 and don’t own a car, non-owner car insurance fulfills the proof of insurance requirement to reinstate your driving privileges.
Find Non-Owner Car Insurance in Texas
Check quotes from 120+ top insurance companies
Excellent
4.7 out of 5 based on 11,540 reviews
Secure. Free. Easy-to-use.
Best non-owner car insurance companies in Texas
The cost of non-owner car insurance in Texas can vary based on your driving history, coverage limits, and your chosen insurance company. Here are three companies offering non-owner car insurance in Texas to help you find a policy that fits your needs and budget.
GEICO: Best for affordability
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $96/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $179/mo |
4.0
Best choiceBased on 14,807 verified guest reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (7,244)
Jacquasia
Verified Review
Satisfied
Reviewed in Georgia on February 3, 2026
I would recommend GEICO to anyone because they gave me the best coverage for the lowest price.
Lisa
Verified Review
Not happy!
Reviewed in Texas on February 3, 2026
They told me roadside service was an added benefit. They never told me that using it was a "claim" against my account. Then my rate went up $200 a year right after a fender bender that wasn’t my fault. It was around a $1500 cosmetic repair. The other person was at fault and their insurance fully paid. Geico was out nothing. When I asked, I was told I had two claims in 30 days and insurance was due to go up anyway.
Sylvia
Verified Review
Three days
Reviewed in North Carolina on February 2, 2026
I didn't like their services over the last couple of years. The insurance cost went up for no apparent reason.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
GEICO is well-known for offering reliable coverage. It offers affordable non-owner car insurance policies to help you save money while providing essential liability coverage. GEICO’s user-friendly website and mobile app make managing your policy and filing claims easy.
Pros
AM Best financial strength rating of A++ (Superior)
Easy online quote process and policy management
24/7 customer service
Cons
Limited coverage options compared to some competitors
May not offer the lowest rates for high-risk drivers
Limited local agents in Texas for personalized service
Direct Auto: Best for high-risk drivers
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $146/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $226/mo |
How drivers feel about Direct Auto
Drivers appreciate the insurer’s helpful customer service and easy-to-use website. But they dislike the frequent and significant rate increases, especially for those with clean driving records. Some also report difficulties with roadside assistance.
AI-generated from the text of verified reviews collected by Insurify
Best For
High-risk drivers
Ample discounts
24/7 claims support
How drivers feel about Direct Auto
Drivers appreciate the insurer’s helpful customer service and easy-to-use website. But they dislike the frequent and significant rate increases, especially for those with clean driving records. Some also report difficulties with roadside assistance.
AI-generated from the text of verified reviews collected by Insurify
Best For
High-risk drivers
Ample discounts
24/7 claims support
Reviews (441)
Stephanie
Verified Review
Poor business ethics
Reviewed in Missouri on February 2, 2026
Direct Auto would not renew my policy due to proof of residency a year after being with them, even though I provided it and had not moved. Prices were very high and continued to increase with each renewal, even though I had no accidents, tickets, or claims.
Steven
Verified Review
Scam quotes just to get customers
Reviewed in Florida on January 30, 2026
You provided me insurance at one rate, I provided a down payment, activated a policy, then before my first month of the policy term, you increased my premium with no rhyme or reason.
Cheryl
Verified Purchase
So far, I am very pleased, but I still have not received my identification cards for my car insurance. I do not have a printer. Please mail them to me. Thank you very much.
Reviewed in Pennsylvania on January 27, 2026
So far, I am very pleased, but I still have not received my identification cards for my car insurance. I do not have a printer. Please mail them to me. Thank you very much.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Direct Auto is part of the Allstate family of companies. It specializes in providing coverage for high-risk drivers, making it a great option if you have trouble getting insured elsewhere. The company offers flexible payment options and provides SR-22 filings for drivers who need them.
Pros
Specializes in high-risk drivers
Offers flexible payment plans
SR-22 filings available
Cons
Higher rates for high-risk drivers
Parent company, Allstate, has a below-average J.D. Power customer satisfaction rating in Texas
Limited online tools and resources
Progressive: Best for a range of coverage options
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 622 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.7 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $82/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $147/mo |
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
Reviews (7,917)
Leona
Verified Review
Not good. My premium keeps going up. I am very upset from $305 to $335 every 6 months. What for? We are good drivers with no tickets or issues.
Reviewed in Nevada on February 3, 2026
Not good. My premium keeps going up. I am very upset from $305 to $335 every 6 months. What for? We are good drivers with no tickets or issues.
Jas
Verified Review
Disappointed
Reviewed in Arizona on February 3, 2026
They continue to hike rates despite no claims or tickets.
Dolores
Verified Review
Progressive Insurance
Reviewed in Michigan on February 3, 2026
So far, Progressive has been okay for us. My insurance did not go up this year, which is a good sign.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
622NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
Progressive offers a wide range of coverage options, including non-owner car insurance policies. It’s known for extensive discounts and the ability to customize policies to meet customer needs. Progressive also offers user-friendly online tools and resources that make getting a quote and managing your policy easy.
Pros
Competitive rates
Numerous available discounts
Excellent online tools and mobile app
Cons
Rates can be higher for some drivers
Some discounts aren’t available on non-owner policies
Below-average J.D. Power customer satisfaction rating in Texas
Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers’ vehicles, driving records, and demographic information. Quotes for GEICO, Direct Auto, and Progressive are estimates based on Quadrant Information Services’ database of auto insurance rates.
In addition to rates, we considered the reported customer satisfaction metrics, IQ Score, and financial strength ratings to select the companies above.
What non-owner car insurance covers in Texas
Non-owner auto insurance offers liability-only coverage. Here’s a more in-depth explanation of the coverages included in a non-owner policy:[3]
Bodily injury liability
Bodily injury liability covers medical bills, lost wages, and legal fees if you’re at fault in an accident and injure someone else.
Property damage liability
Property damage liability pays to repair or replace another person’s property, like their car, if you cause an accident.
Uninsured/uninsured motorist coverage
Uninsured/underinsured motorist coverage protects you if you’re involved in an accident with a driver who has insufficient or no insurance. It covers medical expenses and damages beyond what the other driver’s insurance can pay. Insurance companies must offer Texas customers this coverage, but you can decline it in writing if you don’t want it.
What non-owner car insurance doesn’t cover
Non-owner car insurance doesn’t include all the coverage a typical full-coverage car insurance policy provides. For example, non-owner policies don’t include the following:
Collision coverage: Collision insurance pays for damage to the car you’re driving if you get into an accident. The car owner’s policy will need to cover any repair costs for the vehicle.
Comprehensive coverage: Comprehensive insurance pays for non-collision-related losses, like theft, vandalism, or natural disasters. These are usually the responsibility of the car owner’s insurance company.
Personal belongings: Non-owner car insurance doesn’t cover personal belongings stolen from or damaged in the car. You need separate coverage through your homeowners or renters insurance for these items.
Shop for Texas Car Insurance
See quotes from top insurance companies in minutes
Excellent
4.7 out of 5 based on 11,540 reviews
Secure. Free. Easy-to-use.
How much does non-owner car insurance cost in Texas?
On average, non-owner car insurance costs around $795 per year nationwide, according to Insurance Business America. That’s roughly half the average cost for liability-only car insurance in Texas, which is $1,419 per year, according to Insurify data.
But keep in mind that your rates may vary depending on your driving record, insurance coverage limits, age, ZIP code, and the company you choose.
Non-owner car insurance in Texas FAQs
If you still have questions about non-owner insurance in Texas, these answers to a few frequently asked questions might clear up any confusion.
Can you get car insurance on a car you don’t own in Texas?
Yes. You can get car insurance on a car you don’t own in Texas. A non-owner policy provides liability coverage for drivers who frequently use cars they don’t own. This insurance covers damages and injuries you may cause to others while driving a borrowed or rented car.
Do you need non-owner car insurance to rent a car in Texas?
No. You don’t need non-owner car insurance to rent a car in Texas. But it can be a good option if you rent cars frequently, as it can provide liability coverage beyond what the rental company offers and potentially save you money on rental car fees.
Do you need car insurance to drive a friend’s car in Texas?
Not legally, but it’s not a bad idea. If you occasionally drive a friend’s car with their permission, their insurance should cover you. But non-owner car insurance can provide additional liability protection, ensuring you have coverage if their policy limits aren’t sufficient.
Where can you buy non-owner car insurance?
You can buy non-owner car insurance from many major insurers, including GEICO, Progressive, and State Farm. It’s a good idea to compare quotes from multiple companies to find the best rate and coverage for your specific needs.
Related articles
)
Cheap Car Insurance Quotes in Texas Starting at $58
February 3, 2026
)
Very Cheap No-Deposit Car Insurance in Texas
February 1, 2026
)
Can You Drive in Texas With a Foreign License?
October 15, 2025
)
How to Get a Texas Drivers License: A Step-by-Step Guide
January 28, 2026
)
Texas Car Accident Laws and Regulations
October 15, 2025
)
Best Full-Coverage Car Insurance in Texas: Cheapest Rates 2026
February 1, 2026
)
Car Insurance Discounts for Texas Drivers
February 3, 2026
)
How Long Does an Insurance Company Have to Investigate an Auto Claim in Texas?
October 15, 2025
)
What to Do if You Get Into an Accident With an Uninsured Driver in Texas
November 13, 2025
)
Does a Vehicle Have to Be in Your Name to Insure It in Texas?
August 27, 2024
)
What Age Does Insurance Go Down in Texas?
July 8, 2025
)
Cheapest Car Insurance for New Drivers in Texas
February 3, 2026
)
Compare Car Insurance Rates for Senior Drivers in Texas From $45/mo.
February 3, 2026
)
Best Car Insurance Companies in Texas
February 3, 2026
)
Cheap SR-22 Insurance in Texas
February 3, 2026
)
Temporary Car Insurance in Texas
February 3, 2026
)
)
)
)
Cheap Car Insurance in San Antonio, Texas, From $61
February 3, 2026
)
Best Cheap Car Insurance in San Marcos, TX, From $58
February 3, 2026
)
Cheap Car Insurance in Plano, TX, Starting at $58
February 3, 2026
)
Best Cheap Car Insurance in Lubbock, TX, From $55
February 3, 2026
)
Cheapest Car Insurance Quotes in Odessa, TX,
February 3, 2026
)
Cheap Car Insurance in Midland, TX, Starting at $54
February 3, 2026
)
Cheapest Car Insurance Quotes in McAllen, TX,
February 3, 2026
)
Cheap Car Insurance in Mesquite, TX, Starting at $66
February 3, 2026
)
Cheap Car Insurance in Brownsville, TX, Starting at $57
February 3, 2026
)
Best Cheap Car Insurance in Laredo, TX, From $58
February 3, 2026
)
Cheapest Car Insurance Quotes in Killeen, TX
February 3, 2026
)
Best Cheap Car Insurance in Huntsville, TX, From $53
February 3, 2026
)
Cheapest Car Insurance Quotes in Irving, TX
February 3, 2026
)
Cheap Car Insurance in Houston, TX, Starting at $77
February 3, 2026
)
Best Cheap Car Insurance in Galveston, TX, From $57
February 3, 2026
)
Cheapest Car Insurance Quotes in Grand Prairie, TX,
February 3, 2026
)
Cheap Car Insurance in Garland, TX, Starting at $64
February 3, 2026
Cheap Car Insurance in Fort Worth, Texas, From $58
February 3, 2026
)
Best Cheap Car Insurance in El Paso, TX, From $52
February 3, 2026
)
Cheap Car Insurance in Denton, TX, Starting at $55
February 3, 2026
Cheap Car Insurance in Dallas, Texas, From $66
February 3, 2026
)
Best Cheap Car Insurance in Corpus Christi, TX, From $59
February 3, 2026
)
Cheap Car Insurance in Beaumont, TX, Starting at $61
February 3, 2026
)
Best Cheap Car Insurance in Austin, TX, From $59
February 3, 2026
)
)
Sources
- Texas Department of Insurance. "Auto insurance guide."
- Texas Department of Public Safety. "Financial Responsibility Insurance Certificate (SR-22)."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
)
Janet Berry-Johnson
Janet Berry-Johnson, CPA is a freelance writer with a background in accounting and income tax planning and preparation. She's passionate about making complicated financial topics accessible to readers. She lives in Omaha, Nebraska with her husband and son and their rescue dog, Dexter. Visit her website at www.jberryjohnson.com.
Janet has been a contributor at Insurify since October 2022.
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Featured in