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 16,802 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 7,536 GEICO reviews
Alejandro
Verified Review
They Couldn't Care Less
Reviewed in Texas on March 26, 2026
The cost of a 6-month policy is the lowest I've been able to find. Every other insurer has yet to match or beat it. It came with a little more coverage than any other insurer has offered. Although they give you a discount for initiating Easy Drive, which monitors one's driving and driving habits, the app is so messed up (as in making outrageous claims of unsafe driving), I know I cannot expect them to offer to continue the discount or increase it at the end of the term when the app makes a report, or they review the driving data collected. The app is NOT trustworthy because of its flawed and erroneous assumptions. I could not believe it admonished my driving because it found an app open on my phone. "Yeah, the app Easy Drive which they insist one have open during trips," so that it can take in and record the data. Easy Drive is a joke. When I read the first report I looked at, I wondered if the report stated what it stated so that I would be found ineligible for a continued discount. After reading a couple of other reports, I am convinced this tongue-in-cheek accusation of mine to be a fact. My driving record is, after 45 years of driving, immaculate. Yet insurance companies want nearly 500 USD or more for a 6-month STATE MINIMUMS LIABILITY ONLY policy. I have proven that I am not a liability to them. When are insurers going to appreciate me for that?
Laura
Verified Review
Insurance is Theft
Reviewed in Texas on March 26, 2026
Still costs too much but less than everyone else.
John
Verified Review
Good
Reviewed in Texas on March 21, 2026
I would say I have had an overall good experience.
Jaquelyn
Verified Review
I can't find anything less expensive
Reviewed in Texas on March 18, 2026
Cheapest I have found so far. Have not had a claim, so can't comment on that process.
Bombshell
Verified Review
Up, up, always up!
Reviewed in Texas on March 18, 2026
I would say don't do it! They are increasing my liability and uninsured motorist coverage for a 2005 Nissan Sentra. I'm 57 years old with no tickets or accidents, and yet I'm paying over $170 for not full coverage! It went up! I'm looking for another insurance company.
Israel
Verified Review
Can't Complain
Reviewed in Texas on March 15, 2026
I've been a GEICO customer for twenty years and I have a great relationship with the company. I know you can't compete with them. Amen.
Sharon
Verified Review
A very excellent experience. Great everything.
Reviewed in Texas on March 13, 2026
Excellent company, policies, discounts, and great service. Our agent in San Antonio, TX was top-notch.
Rudy
Verified Review
Look elsewhere
Reviewed in Texas on March 12, 2026
Extremely expensive and no incentive to stay with them.
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.
…
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 5 reviews from Texas drivers - See all 469 Direct Auto reviews
Mary
Verified Review
Not pleased.
Reviewed in Texas on March 20, 2026
Well, I thought I had full coverage because I'm paying a car note, but I found out I'm not, and they didn't tell me. In my opinion, I think I'm paying too much just for liability.
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 8,266 Progressive reviews
Deborah
Verified Review
Fair or Unfair
Reviewed in Texas on March 30, 2026
The good thing is that they are available when you have questions. The bad thing is when one of two cars is canceled. The difference was only 1 dollar lower on just one car, which made me think having a second full coverage car only cost a dollar. I did not understand getting charged for 2 cars for 2 months when I only had 1 car and the second was canceled. There was no reimbursement for the extra, and the difference in the premium was unclear.
Edward
Verified Review
Progressive Auto and Home Insurance
Reviewed in Texas on March 27, 2026
Homeowners insurance is too expensive, especially for Progressive coverage. The other coverage was somewhat reasonable.
Latonya
Verified Review
The 1
Reviewed in Texas on March 24, 2026
Too expensive.
Billy
Verified Review
Progressive is too expensive
Reviewed in Texas on March 23, 2026
Too expensive. A 75-year-old widower with no accidents, no tickets, no DUI, and no claims is paying over $300 per month, which is totally ridiculous. Where are all these companies on Facebook and TikTok offering $39 per month for full coverage?
Shelley
Verified Review
Love Jerry
Reviewed in Texas on March 21, 2026
I love my new insurance, saving over $100 a month compared to Progressive.
Royce
Verified Review
Affordable Insurance
Reviewed in Texas on March 16, 2026
Too expensive for liability for my vehicle.
Randy
Verified Review
Insurance Bliss
Reviewed in Texas on March 13, 2026
Affordable coverage. Great claims handling. Quick service and satisfactory results.
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.
…
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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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