Question 1

What does non-owner car insurance cover in New Jersey?

Accepted Answer

A New Jersey non-owner policy covers bodily injury and property damage liability at the state's 15/30/5 minimum, plus PIP and uninsured motorist coverage. It does not cover physical damage to the car you're driving, because you own no vehicle. The policy is secondary to any coverage on the car you borrow, rent, or share.

Question 2

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

Accepted Answer

Yes. A non-owner policy can carry the SR-22 filing New Jersey requires after a DUI or certain violations. Geico, Progressive, State Farm, and USAA file non-owner SR-22s in New Jersey. The filing period is 3 years for DUI convictions.

Question 3

Which carriers write non-owner insurance in New Jersey?

Accepted Answer

Geico, Progressive, and USAA write non-owner policies in New Jersey for clean-record drivers. If you need an SR-22 filing, State Farm also writes non-owner policies. Bristol West and National General write non-owner policies for high-risk drivers in the non-standard tier.

Question 4

Does a non-owner policy cover rental cars in New Jersey?

Accepted Answer

Yes, but it's secondary. A non-owner policy provides liability coverage when you rent a car, but the rental company's coverage applies first. A non-owner policy does not cover damage to the rental car itself — you'd need the rental company's collision damage waiver for that.

Question 5

How much does non-owner insurance cost in New Jersey?

Accepted Answer

Cost depends on your driving record, whether you need an SR-22 filing, and the coverage limits you choose. Clean-record drivers carrying the 15/30/5 minimum pay less than standard auto policies because there's no vehicle to insure. SR-22 filers and drivers with violations pay more.

Question 6

What is New Jersey's minimum liability for a non-owner policy?

Accepted Answer

$15,000 bodily injury per person, $30,000 per accident, and $5,000 property damage. New Jersey also requires PIP and uninsured motorist coverage on all policies, including non-owner. A non-owner policy must carry at least these minimums.

Question 7

Will a non-owner policy prevent a lapse in New Jersey?

Accepted Answer

Yes. A non-owner policy maintains continuous coverage between cars, which prevents the lapse penalty New Jersey imposes. The state tracks insurance electronically; a lapse can trigger registration suspension under N.J.S.A. 39:6B-2 and costs $100 to reinstate.

Coverage	Minimum
Bodily Injury (per person)	$15,000
Bodily Injury (per accident)	$30,000
Property Damage	$5,000

Non-Owner Car Insurance — New Jersey

New Jersey Minimum Coverage

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

Coverage Types

Non-Owner Liability Insurance

Non-Owner SR-22 Filing

Uninsured Motorist Coverage

Non-Standard Auto Insurance

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