Non-owner car insurance
If you do not own a car, non-owner car insurance (Commonly referred to as Personal Mobility Coverage) helps provide protection while driving or occupying a rented or borrowed car. If you’re thinking rideshares, carshares, car rentals, and public transportation, personal mobility coverage offers you protection.
Contact a State Farm® agent about non-owner coverage options. (Personal mobility coverage is currently available only to California residents.)
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What are the benefits of personal mobility insurance?
- You’re covered as a pedestrian or as the passenger or driver of a vehicle you don’t own.
- It may cost less than purchasing coverage through a rental company.
- It can provide proof of insurance.
- When you bundle the purchase with your State Farm Homeowners or Renters policy, the savings can multiply.
What does personal mobility insurance cover?
The policy that covers a rideshare company, its driver and their car may not adequately cover you when using rideshares, carshares or renting a car. State Farm Personal Mobility Insurance may fill those gaps.
- You’re a rideshare passenger injured in an auto accident because of the rideshare driver’s negligence or fault.
- You’re injured while in, entering or exiting a rideshare vehicle.
- You’re hit by an uninsured motorist while riding a bicycle or motorized scooter.footnote 1
- You're injured as a pedestrian or as the passenger or driver of a vehicle you don't own.
Other passenger or pedestrian benefits from personal mobility insurance could provide medical payments coverage and uninsured motor vehicle coverage.
How does personal mobility coverage work with renting a car?
Say you’ve rented a car without your own auto insurance and rear-end a vehicle at a stop light. Damage to the rental could be covered, minus a $500 deductible, up to what state law requires. Your personal mobility coverage — which typically costs a lot less than additional rental coverage — could also cover loss of use and other related administrative charges assessed to you under the rental contract terms. Available coverage options include:
- Bodily Injury and Property Damage Liability
- Uninsured Motor Vehicle Property Damage coverage
- Comprehensive ($500 deductible)
- Collision ($500 deductible)
- Emergency Road Service (ERS)
Want more than non-owner car insurance?
When it comes to car insurance, you’ve got plenty of policy options. State Farm can help you choose the right coverage or how much auto insurance you might need. Coverage varies by state and your selection.
Frequently asked questions about non-owner car insurance
Yes. A non-owner car insurance policy is available and provides liability coverage.
It depends on your insurer and the particular policy. But most allow someone to borrow a car with permission. Learn more
You can get insurance without a license for a brief time. Most states require a driver’s license number to continue coverage.
Sure. Car insurance without a car provides liability coverage if borrowing or renting a car.
Get a local agent who gets you
There’s a State Farm agent nearby ready to offer personalized service to fit your specific needs.
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return to reference 1 Options for bicycles, scooters or similar motorized modes of transportation should be discussed with your State Farm agent.
Ranking information (as applicable) is based on 2023 premium data provided by S&P Global Market Intelligence.
Discount names, percentages, availability and eligibility may vary by state. Each State Farm insurer has sole financial responsibility for its own products.
Customers may always choose to purchase only one policy but the discount for two or more purchases of different lines of insurance will not then apply. Savings, discount names, percentages, availability and eligibility may vary by state.
State Farm Mutual Automobile Insurance Company
State Farm General Insurance Company
Bloomington, IL