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.
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Written byJanet Berry-Johnson
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Janet Berry-JohnsonInsurance Writer, CPA
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.
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Edited byAshley Cox
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Ashley CoxSenior Managing Editor
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.
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Reviewed byJohn Leach
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John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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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 $117 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
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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. | $94/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. | $181/mo |
4.0
Best choice in TexasBased on 16,212 verified driver 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 in Texas 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 in Texas for
Teen drivers
Cheap rates
Accident forgiveness
Showing 75 reviews from Texas drivers - See all 7,454 GEICO reviews
James
Verified Review
Geico Is Not Cost Efficient
Reviewed in Texas on March 9, 2026
I have used Geico since 2006 on and off, and this will be my last time. They are notorious for raising my premium every renewal time. This very month I paid $188.00, and my renewal for March is $244.47—a fifty-six dollar a month increase on a 2022 Chevrolet Trax. I am on a dire fixed income and cannot afford this. I will never use Geico again. I need cheap insurance with full coverage.
Ramona
Verified Review
Don't Purchase
Reviewed in Texas on March 9, 2026
Do not buy. They don’t want to help you with a claim. They add their own coverage that is not in the policy. Very hard to get a hold of an adjuster if you need them.
Cristi
Verified Review
Price Increases at Renewal
Reviewed in Texas on March 8, 2026
I'm not going to use them again. They raise the price every time I have to renew. It's ridiculous to pay as much as I do for simple liability only.
Josh
Verified Review
Geico Two-Step
Reviewed in Texas on March 4, 2026
I have multiple insurance companies currently. Geico needs better training for their representatives. Don’t tell customers one thing and then tell the consumer the exact opposite from the next representative. I will never use Geico again, even though they are almost 50% cheaper than State Farm, Allstate, or Progressive.
Jeanette
Verified Review
Too much $$$
Reviewed in Texas on March 2, 2026
Started out well, but the price increased regularly with no claims, no accidents, and no tickets. It more than doubled in 8 years!
Zee
Verified Review
Expensive but probably a good insurance
Reviewed in Texas on February 25, 2026
It is very expensive; the Geico Auto help is very good.
Tom
Verified Review
Understand what you bought before you sign
Reviewed in Texas on February 25, 2026
Make sure they explain the policy thoroughly before you sign!
Joann
Verified Review
The Policy That Goes Up
Reviewed in Texas on February 24, 2026
I was drawn in with a low rate, then they increased it on me in 3 months.
Miguel
Verified Review
Fairness
Reviewed in Texas on February 24, 2026
They are good overall, but too expensive for my budget!
…
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. | $222/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 in Texas 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 in Texas for
High-risk drivers
Ample discounts
24/7 claims support
Showing 4 reviews from Texas drivers - See all 459 Direct Auto reviews
Carmen
Verified Purchase
Not good. They will increase your payment after they have you sign
Reviewed in Texas on January 11, 2026
They give you a decent quote at first to get you to sign the policy, and then they will increase it drastically within the first month.
Mason
Verified Review
Worst company ever
Reviewed in Texas on January 2, 2026
Terrible! My car is almost older than me, and I’m paying more than for a car that’s only seven years old. Terrible policy, terrible customer service reps who are unhelpful. $15 late fee for being less than a day late.
Pamela
Verified Purchase
Policy price went up
Reviewed in Texas on December 9, 2025
When I asked to make my payment a little later, the price of my policy went up.
Maria
Verified Review
Too Expensive
Reviewed in Texas on April 13, 2025
The rates are too high and they do not notify you when prices increase.
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. | $155/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 in Texas 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 in Texas for
Competitive rates
Easy buying process
Telematics program
Showing 75 reviews from Texas drivers - See all 8,158 Progressive reviews
Laquisha
Verified Review
Progressive charged me twice what I was paying during renewal without discussing it with me. Be cautious if your card is on file.
Reviewed in Texas on March 10, 2026
Progressive charged me twice what I was paying during renewal without discussing it with me. Be cautious if your card is on file.
Theodore
Verified Review
It was awesome
Reviewed in Texas on March 6, 2026
I have excellent service.
Pamela
Verified Review
Save
Reviewed in Texas on March 5, 2026
Switching to Progressive saved me a lot of money.
Gerald
Verified Review
Never a problem
Reviewed in Texas on March 4, 2026
Great service. Always rated as #1 when looking to replace them. Many companies rate them above average.
Glen
Verified Review
Average
Reviewed in Texas on March 2, 2026
More expensive than most.
Edward
Verified Review
Two Thumbs Down for Progressive
Reviewed in Texas on March 1, 2026
If you put in any claim, even just for glass, they will investigate you and find any way possible not to complete the claim.
Tom
Verified Review
Do not buy
Reviewed in Texas on February 28, 2026
Too expensive, no flexibility, poor online experience.
Carroll
Verified Review
Better and Cheaper Insurance
Reviewed in Texas on February 28, 2026
They need to offer more discounts and stop charging for things like driver accidents over 5 years ago, like driver forgiveness. Discounts should be better because of the primary carrier.
Cheryl
Verified Review
Too Much
Reviewed in Texas on February 27, 2026
I had a minor fender bender and my rate went up over $100. I think that's way too much.
…
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.
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4.7 out of 5 based on 12,610 reviews
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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 $1,408 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.
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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-JohnsonInsurance Writer, CPA
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
Janet applies her experience in personal finance, taxes, and accounting to make complex financial topics accessible. Her byline has appeared on numerous web media.
Ashley CoxSenior Managing Editor
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
John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
Featured in