Named Non-Owner Auto Insurance

Not everyone in Texas owns a vehicle, but many people still need to drive occasionally and require proof of insurance. Named non-owner auto insurance provides liability coverage for drivers who don't own a car but need to meet Texas's insurance requirements. This specialized policy keeps you legal and protected when you borrow vehicles or rent cars.

This coverage protects you when you drive someone else's car, whether you're borrowing a friend's vehicle in Austin, using a family member's car in the Valley, or renting a car for a trip. Liability coverage pays for damage and injuries you cause while driving a vehicle you don't own. If you cause an accident while driving a borrowed car, this policy provides primary or secondary coverage depending on the situation.

Named non-owner insurance is often required for Texas drivers who need to maintain continuous coverage to avoid higher rates later or to meet SR-22 filing requirements. If your license was suspended and you need to file an SR-22 but don't own a vehicle, this policy satisfies Texas DPS requirements while keeping you legal. Many drivers in cities like Houston, Dallas, and San Antonio don't own cars but occasionally need to drive.

The policy doesn't cover vehicles you own, vehicles furnished for your regular use, or vehicles owned by household members. It's specifically designed for occasional driving situations where you need liability protection. If you frequently use the same vehicle, it should be covered under a traditional auto policy.

Texas law requires drivers to carry minimum liability coverage, and this policy ensures you meet those requirements even without owning a vehicle. Whether you're between vehicles, living in an urban area without a car, or need SR-22 coverage, we help you understand exactly what protection you need. Don't risk driving without coverage just because you don't own a vehicle—the consequences of an uninsured accident can be severe.