Question 1

What does non-owner car insurance cover in Michigan?

Accepted Answer

A Michigan non-owner policy covers bodily injury and property damage liability when you drive a car you don't own, carrying at least the state's $50,000/$100,000/$10,000 minimum. It does not cover damage to the car you're driving, because you own no vehicle. The policy is secondary coverage that sits behind any insurance on the car you drive.

Question 2

Can I get an SR-22 without owning a car in Michigan?

Accepted Answer

Yes. If the Michigan Secretary of State requires an SR-22 filing and you own no car, you can file it with a non-owner policy. Geico, Progressive, State Farm, and USAA write non-owner SR-22 policies in Michigan. The filing period is 3 years from the reinstatement date.

Question 3

Which carriers write non-owner insurance in Michigan?

Accepted Answer

Geico, Progressive, and USAA write non-owner policies in Michigan. Among these, Geico, Progressive, State Farm, and USAA also file non-owner SR-22 policies for drivers who need a filing. Not all Michigan carriers write non-owner coverage, so your options are more limited than for owned-vehicle policies.

Question 4

Does a non-owner policy cover rental cars in Michigan?

Accepted Answer

A non-owner policy provides liability coverage when you drive a rental car, but it does not cover damage to the rental vehicle itself. You would need to buy the rental company's collision damage waiver to cover the car. The non-owner policy covers your legal liability to others.

Question 5

How long does Michigan require an SR-22 filing?

Accepted Answer

Michigan requires an SR-22 filing for 3 years from the reinstatement date for violations like DUI. The filing must be maintained continuously — if the policy lapses or is cancelled, the carrier notifies the Secretary of State and your license can be suspended again.

Question 6

Can I add a non-owner policy to a household member's car?

Accepted Answer

No. A non-owner policy is for drivers who own no vehicle and do not have regular access to a household car. If you regularly drive a household member's car, you should be added as a named driver on that car's policy. A non-owner policy is secondary coverage and will not pay if you're excluded from the household policy.

Question 7

What is Michigan's liability minimum for non-owner insurance?

Accepted Answer

Michigan requires $50,000 bodily injury per person, $100,000 per accident, and $10,000 property damage. A non-owner policy must carry at least these minimums. You can buy higher limits for more protection, but the state minimum is the floor.

Coverage	Minimum
Bodily Injury (per person)	$50,000
Bodily Injury (per accident)	$100,000
Property Damage	$10,000

Non-Owner Car Insurance — Michigan

Michigan Minimum Coverage

Get non-owner SR-22 coverage without owning a vehicle

Coverage Types

Non-Owner Liability Insurance

Non-Owner SR-22 Insurance

Uninsured Motorist Coverage

Non-Standard Auto Insurance

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