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Non-owner auto insurance - drive any car with confidence.

Take the confusion out of driving rented or borrowed cars. Work with a friendly licensed agent to get the right insurance in minutes.

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Non-owner auto insurance by

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See how we're different


Be covered no matter what car you’re driving with non-owner car insurance from Surround.

Non-owner car insurance (also called named non-owner) is a type of car insurance policy for people without a car. This insurance covers you if you were to get into an accident while driving a rented or borrowed car. 

It includes:

Bodily Injury Liability

Property Damage Liability

Uninsured and Underinsured Motorists

Personal Injury Protection

Medical Payments


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Auto insurance that follows you

You drive rented and borrowed cars. Non-owner auto insurance is portable, so you don't have to think about insurance every time you drive.

Buy the way you want

Online, text, email, or phone. We've got you covered with friendly licensed agents to make sure non-owner auto insurance fits your driving lifestyle.

Sometimes you need a car

Protect yourself with non-owner auto insurance.

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Feel the peace of mind that comes with insurance from Surround

Modern insurance designed around you

Plays well with car rental services

Our insurance covers you on car sharing platforms like Zipcar or Turo. It also works with car rental companies like Enterprise and Sixt.

Complements your credit card insurance

Non-owner auto insurance adds liability protection to your credit card's collision coverage for more complete protection.

Whenever you have questions, we have friendly and licensed agents available by text, email, or phone.

Get real answers, not a robot

Maintain continuous insurance

Our insurance serves as proof of coverage so you'll avoid extra insurance charges when you finally get a car of your own.

Save money on overpriced car rental insurance

Stop paying up to $25 a day for liability insurance from the rental company.

More protection than the state requires

Surround offers policies with coverage for bodily injury liability, property damage liability, and un/under-insured coverage.

Pricing without the surprises

Always know the price you'll pay with us.