How to Get Non-Owners Insurance in Long Beach

Living in Long Beach, California, means navigating one of the most densely populated and traffic-heavy urban environments on the West Coast. Whether you’re a frequent car renter, a ride-share driver without a personal vehicle, or someone who occasionally borrows a friend’s car, the risk of being held financially liable in an accident remains very real. That’s where non-owners insurance comes in—a specialized form of liability coverage designed for individuals who don’t own a vehicle but still need to meet legal or financial obligations on the road. In Long Beach, where car accidents, DUIs, and SR-22 requirements are common, securing the right non-owners policy isn’t just smart—it’s often mandatory.

Unlike traditional auto insurance, which covers a specific vehicle, non-owners insurance provides liability protection for the driver, not the car. This means if you’re at fault in an accident while driving someone else’s car, your policy can cover bodily injury and property damage up to your coverage limits. It also satisfies court-ordered SR-22 or FR-44 filings after license suspensions, making it essential for drivers rebuilding their records.

This guide walks you through everything you need to know to obtain non-owners insurance in Long Beach—from understanding eligibility and coverage limits to comparing providers, submitting applications, and maintaining compliance. Whether you’re a new resident, a recovering driver, or simply someone who rarely owns a car, this comprehensive tutorial will empower you to make informed, cost-effective decisions.

Step-by-Step Guide

Step 1: Understand What Non-Owners Insurance Covers (and Doesn’t)

Before applying, it’s critical to know exactly what non-owners insurance provides. This policy is strictly liability-based, meaning it only covers:

• Bodily Injury Liability: Medical expenses for others injured in an accident you cause.
• Property Damage Liability: Repairs or replacement of other vehicles or property damaged in the accident.

It does NOT cover:

• Damage to the vehicle you’re driving (even if it’s not yours).
• Medical expenses for you or your passengers.
• Rental car reimbursement or roadside assistance.
• Comprehensive or collision coverage.

Many people mistakenly believe non-owners insurance protects the borrowed vehicle. It does not. If you’re driving a friend’s car and cause damage, their own insurance policy will typically cover repairs to their vehicle. Your non-owners policy steps in only when their coverage is insufficient or unavailable.

Step 2: Determine Your Eligibility

In Long Beach, you’re eligible for non-owners insurance if you meet these criteria:

• You do not own, lease, or have regular access to a vehicle.
• You hold a valid California driver’s license.
• You are not currently listed as a primary driver on any auto insurance policy.
• You need coverage for an SR-22 or FR-44 filing (common after DUIs, reckless driving, or license suspensions).

Even if you occasionally borrow a car or use car-sharing services like Turo or Zipcar, you can still qualify. The key is that you do not have a vehicle titled or registered in your name. If you’re unsure, check your DMV records or contact the California Department of Motor Vehicles directly for confirmation of vehicle ownership status.

Step 3: Check Your Driving Record

Before applying, obtain a copy of your driving record from the California DMV. You can do this online through the DMV’s website for a small fee. Review it for:

• Accidents in the past three years
• DUIs or reckless driving convictions
• License suspensions or revocations
• Unpaid traffic tickets

Any of these factors will impact your premium. A clean record may qualify you for lower rates, while a history of violations will increase your cost. If you have outstanding tickets, pay them before applying—unresolved citations can delay policy issuance or result in denial.

Step 4: Decide on Coverage Limits

California law requires all drivers to carry minimum liability coverage:

• $15,000 for injury or death to one person
• $30,000 for injury or death to more than one person
• $5,000 for property damage

These are the legal minimums, but they may not be enough. In Long Beach, where vehicle values and medical costs are high, many drivers opt for higher limits—such as $100,000/$300,000/$50,000—to avoid personal financial exposure. If you’re required to file an SR-22, your court or DMV may specify minimum limits. Always confirm the required amounts before selecting a policy.

Step 5: Gather Required Documents

To apply for non-owners insurance in Long Beach, you’ll need:

• Your valid California driver’s license number
• Your Social Security number
• Your current mailing address (must match DMV records)
• Your driving record (optional but recommended)
• Any court order or DMV notice requiring an SR-22 (if applicable)

Ensure your address is up to date with the DMV. Discrepancies between your insurance application and DMV records can cause delays or policy cancellation.

Step 6: Compare Quotes from Multiple Providers

Not all insurers offer non-owners policies, and pricing varies widely. In Long Beach, reputable carriers that typically offer non-owners coverage include:

• Geico
• State Farm
• Progressive
• AAA Northern California
• USAA (for military members and families)
• Mercury Insurance

Use online quote tools to compare rates. Enter your information consistently across platforms to ensure accurate comparisons. Look for:

• Monthly premium cost
• SR-22 filing fee (some charge $25–$50; others include it free)
• Payment plan options
• Customer satisfaction ratings

Don’t assume the cheapest quote is the best. Check reviews and verify the company’s financial strength rating (A.M. Best or Moody’s). A policy from a financially unstable insurer may be canceled unexpectedly, leaving you without coverage.

Step 7: Apply and Request SR-22 Filing (If Required)

Once you’ve selected a provider, complete the application. Most companies allow online applications, but some may require a phone call. During the process:

• Confirm you’re applying for a non-owners policy (not a standard auto policy).
• Specify if you need an SR-22 or FR-44 filing.
• Provide your court or DMV case number if applicable.

If an SR-22 is required, the insurer will file it electronically with the California DMV on your behalf. You’ll receive a confirmation email or letter. Keep a copy for your records. The SR-22 typically remains active for three years, and any lapse in coverage will trigger a DMV license suspension.

Step 8: Pay and Receive Policy Documents

After approval, you’ll receive your policy documents via email or mail. Review them carefully:

• Confirm your name, license number, and address are correct.
• Verify coverage limits and effective dates.
• Check that the SR-22 has been filed (look for a filing confirmation number).

Pay your first premium. Most insurers offer monthly, quarterly, or annual payment plans. Avoid skipping payments—even one late payment can result in cancellation and DMV notification.

Step 9: Keep Proof of Insurance Handy

Always carry your insurance ID card in your wallet or phone. California law requires drivers to present proof of insurance when requested by law enforcement. A digital copy saved in your phone’s wallet app is acceptable, but ensure it’s current and legible.

If you’re pulled over or involved in an accident, having your non-owners policy documentation ready prevents fines or license complications.

Step 10: Maintain Continuous Coverage

Non-owners insurance is not a one-time purchase. It must be renewed annually. Set calendar reminders 30 days before expiration. If your circumstances change—such as buying a car—you must notify your insurer immediately. Failing to do so may result in coverage gaps or fraudulent claims.

Even if you don’t drive for several months, keep the policy active. A lapse can trigger a new SR-22 requirement, additional fees, and higher premiums upon reinstatement.

Best Practices

1. Never Drive Without Coverage

Even if you’re borrowing a car for a short trip, driving without insurance in California is a violation of state law. Penalties include fines up to $1,000, license suspension for up to four years, and vehicle impoundment. Non-owners insurance is inexpensive compared to these consequences.

2. Avoid Misrepresenting Ownership

Do not lie on your application about vehicle ownership. If the DMV or insurer discovers you own a car but claimed you don’t, your policy can be voided retroactively. This means any claims you file will be denied, and you may face fraud charges.

3. Update Your Address Promptly

Long Beach has multiple ZIP codes, and insurers use location data to calculate risk. If you move within the city, notify your provider immediately. Failing to update your address can lead to incorrect premium calculations or policy cancellation.

4. Understand SR-22 Requirements

An SR-22 is not insurance—it’s a certificate proving you have insurance. Some drivers mistakenly believe they can cancel their policy once the SR-22 period ends. But if your coverage lapses before the three-year term is complete, the DMV will be notified, and your license will be suspended again. Keep coverage active for the full duration.

5. Monitor Your Credit Score

In California, insurers are permitted to use credit-based insurance scores to determine premiums. While not as impactful as in some states, a poor credit score can still increase your non-owners premium by 20–40%. Pay bills on time, reduce debt, and check your credit report annually via AnnualCreditReport.com.

6. Use Non-Owners Insurance as a Bridge

If you’re planning to buy a car soon, keep your non-owners policy active. When you purchase a vehicle, you can often switch seamlessly to a standard policy without a lapse. This continuity helps maintain your insurance history and avoids rate hikes.

7. Don’t Rely on Borrower’s Insurance Alone

Just because the car you’re driving is insured doesn’t mean you’re protected. If the owner’s policy has low limits or denies the claim, you could be personally sued. Non-owners insurance protects your assets and future earnings.

8. Document Everything

Keep digital and physical copies of:

• Your policy documents
• SR-22 filing confirmation
• Payment receipts
• Correspondence with your insurer

In case of disputes, audits, or DMV inquiries, having this documentation can save you time, stress, and money.

Tools and Resources

California DMV Online Services

Access your driving record, update your address, and check SR-22 status at dmv.ca.gov. The site offers secure online tools for drivers and is the most reliable source for official records.

Insurance Comparison Platforms

Use these free, state-compliant platforms to compare non-owners quotes:

• Insurify – Compares rates from 100+ carriers, including non-owners policies.
• Policygenius – Offers personalized recommendations based on your driving history.
• Compare.com – Provides real-time quotes with no obligation to purchase.

These tools do not sell insurance—they connect you with licensed agents. Always confirm the final policy terms directly with the insurer.

California Department of Insurance (CDI)

Visit insurance.ca.gov to:

• Verify an insurer’s license
• File a complaint against a company
• Access consumer guides on auto insurance

The CDI also publishes annual reports on average premiums by region, including Long Beach, helping you benchmark your rate.

Local Driver Education and Re-licensing Centers

Long Beach has several DMV-approved traffic schools and driver re-education programs. If you’ve had a license suspension, completing a certified program can reduce your SR-22 period or lower your insurance rates. Search for approved providers through the DMV website.

Mobile Apps for Insurance Management

Download apps like:

• Geico Mobile – For policy access, digital ID cards, and payment reminders.
• State Farm Mobile – Offers 24/7 claims reporting and policy updates.
• Wallet (Apple) or Google Pay – To store digital proof of insurance.

These apps ensure you always have access to your documents—even without internet.

Real Examples

Example 1: Maria, a Ride-Share Driver Without a Car

Maria works for Uber in Long Beach but doesn’t own a vehicle. She borrows her sister’s Honda Civic for shifts. One night, she’s involved in a collision that totals another car. The other driver’s medical bills exceed $25,000. Maria’s sister’s insurance only covers $15,000 in liability. Maria’s non-owners policy, with $100,000/$300,000/$50,000 limits, pays the remaining $10,000. Without this policy, Maria would have faced a lawsuit and potential wage garnishment.

Example 2: James, Rebuilding His License After a DUI

James received a DUI in 2022 and had his license suspended. The court ordered him to file an SR-22 for three years. He didn’t own a car at the time, so he purchased a non-owners policy from Progressive for $42/month. He paid the $30 SR-22 filing fee. After three years of continuous coverage, his SR-22 requirement expired, and he was able to reinstate his license without further penalties. He now owns a car and upgraded to a standard policy.

Example 3: Carlos, a Student Without a Vehicle

Carlos is a college student at CSU Long Beach who uses car rentals and Zipcar for weekend trips. He was asked by his university to provide proof of insurance for off-campus activities. He purchased a non-owners policy for $35/month, which satisfied the requirement. When he rented a car last summer, his non-owners policy covered a minor fender bender that the rental company’s insurance refused to pay for due to a policy exclusion.

Example 4: Linda, Who Let Her Policy Lapse

Linda had non-owners insurance after a speeding ticket suspension. She thought she didn’t need it because she wasn’t driving for six months. She let the policy lapse. When she tried to renew it six months later, the insurer charged her a $200 reinstatement fee and required her to file a new SR-22 for another three years. Her total cost increased by over $800 compared to maintaining continuous coverage.

FAQs

Can I get non-owners insurance if I have a suspended license?

No. You must have a valid California driver’s license to obtain non-owners insurance. If your license is suspended, you must first reinstate it through the DMV—this may involve paying fines, completing a traffic school, or installing an ignition interlock device.

Does non-owners insurance cover rental cars?

It covers liability if you cause damage while driving a rental car, but it does not cover damage to the rental vehicle itself. For physical damage protection, you’ll need to purchase the rental company’s collision damage waiver (CDW) or use a credit card that offers rental car insurance.

How much does non-owners insurance cost in Long Beach?

On average, non-owners insurance in Long Beach costs between $30 and $70 per month. Rates depend on your driving record, age, credit score, and coverage limits. Drivers with clean records pay less; those with DUIs or multiple violations pay more.

Can I use non-owners insurance for a car I’m financing?

No. If you’re making payments on a vehicle, even if it’s not fully paid off, you must carry a standard auto insurance policy that lists the vehicle. Non-owners policies are only for those who do not own or lease any vehicle.

Do I need non-owners insurance if I only drive my spouse’s car?

If your spouse’s policy lists you as a household driver, you’re covered under their policy. You only need non-owners insurance if you’re not listed on any policy and don’t own a vehicle.

What happens if I buy a car while I have non-owners insurance?

Notify your insurer immediately. They can convert your non-owners policy to a standard policy, often without a lapse. Failing to notify them may result in denial of coverage for your new vehicle.

Can I get non-owners insurance if I’m not a U.S. citizen?

Yes. As long as you have a valid California driver’s license and proof of residency, you can obtain non-owners insurance regardless of citizenship status.

Is non-owners insurance available for commercial drivers?

No. Non-owners policies are strictly for personal, non-commercial use. Commercial drivers must carry commercial auto insurance, even if they don’t own their vehicle.

How long does an SR-22 stay on my record?

Three years from the date of reinstatement, assuming continuous coverage. If your policy lapses during this time, the clock resets.

Can I cancel non-owners insurance anytime?

You can cancel, but if you’re required to maintain it for an SR-22, cancellation will trigger a DMV license suspension. Only cancel if you’ve purchased a vehicle and have a new policy in place.

Conclusion

Obtaining non-owners insurance in Long Beach is a straightforward process—but only if you understand the requirements, avoid common pitfalls, and choose a reliable provider. Whether you’re rebuilding your driving record after a suspension, renting cars regularly, or simply don’t own a vehicle but still drive, this coverage is a vital financial safeguard. It protects you from lawsuits, satisfies court mandates, and ensures you’re never caught without proof of insurance.

By following the step-by-step guide, adhering to best practices, using trusted tools, and learning from real-life examples, you can secure affordable, compliant coverage that fits your lifestyle. Don’t wait until you’re pulled over or involved in an accident to realize you’re unprotected. Take control of your driving future today.

Remember: Non-owners insurance isn’t about owning a car—it’s about being responsible behind the wheel. In Long Beach, where the roads are busy and the stakes are high, that responsibility matters more than ever.