Why AAA Offers Non‑Owner Auto Insurance
AAA's non‑owner policy is designed for people who drive occasionally, rent cars, or use rideshare services but do not own a vehicle. It gives them the liability coverage required by most states when they are behind the wheel.
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Who Can Buy It?
Eligibility is straightforward: you must be a licensed driver, not own a car, and be a member of the AAA organization or its affiliate. Some states allow non‑members to purchase the policy, but premiums are typically higher.
Coverage Details
The policy covers:
- Liability for bodily injury and property damage
- Uninsured/under‑insured motorist protection
- Medical payments for you and passengers
It does not cover the vehicle you drive, so you will still need rental insurance or the renter's policy if you use a rental car.
Premium Factors
Premiums depend on:
- Your driving record and age
- State minimum liability limits
- Membership status
Typical annual premiums range from $200 to $400, but exact rates vary.
How to Get the Policy
Apply online through AAA's website or at a local branch. You will need proof of a valid driver's license, proof of residency, and a completed application form. Once approved, you can activate coverage immediately.
Benefits Over Traditional Policies
Unlike a full auto policy, the non‑owner plan is cheaper and covers only the liability you need when driving other vehicles. It's ideal for students, travelers, or those who only drive on occasion.