Non-owner car insurance is a liability policy for those who drive but don't own a car. Whether you rent or borrow a car often, or need to file for an SR-22 without a vehicle, a non-owner policy is a relatively inexpensive option to purchase auto insurance liability coverage. Non-owner auto insurance rates are often 5% to 15% cheaper than those for a standard policy. However, non-owner insurance isn’t the right choice for many people, including those who cohabit with a car owner or would otherwise be required to be listed on a car’s primary policy.