Does Aaa Offer Non Owner Car Insurance

When considering insurance options, one may wonder if AAA provides coverage for non-owner car insurance. This type of policy is designed for individuals who do not own a vehicle but require liability coverage when driving borrowed or rented cars. AAA, known for its comprehensive range of insurance products, offers solutions tailored to various needs.

Understanding the specifics of non-owner car insurance from AAA can shed light on the benefits and limitations it entails. Exploring the eligibility criteria, coverage options, and costs associated with such policies can provide valuable insights into whether AAA's offerings align with your requirements.

Eligibility for Non-Owner Insurance

To be considered eligible for non-owner car insurance through AAA, individuals must meet specific criteria regarding their driving history and insurance needs. Non-owner car insurance is designed for individuals who do not own a vehicle but occasionally drive cars that they do not own. AAA typically requires applicants to have a valid driver's license, a clean driving record with no major violations or accidents, and a stable insurance history. Additionally, individuals seeking non-owner car insurance through AAA must meet the minimum age requirement set by the company.

AAA may also consider other factors such as the frequency of driving, the purpose of needing non-owner car insurance, and the types of vehicles to be driven. It is essential for potential policyholders to provide accurate information when applying for non-owner car insurance to ensure they meet the eligibility requirements set by AAA.

Coverage Options Available From AAA

An array of coverage options is offered by AAA for non-owner car insurance policies, catering to diverse needs and preferences of policyholders. AAA provides liability coverage, which is typically required by state laws and helps cover costs associated with injuries or property damage resulting from an accident where the policyholder is at fault.

Additionally, AAA offers uninsured/underinsured motorist coverage, which protects the policyholder if they are involved in an accident with a driver who has insufficient insurance. Medical payments coverage is another option available, covering medical expenses for the policyholder and passengers injured in a car accident, regardless of fault.

AAA also offers personal injury protection, which can help cover medical expenses, lost wages, and other costs resulting from a car accident. Furthermore, policyholders can opt for comprehensive and collision coverage, which can help repair or replace their vehicle in case of theft, vandalism, or a collision.

See also  How Long Is Sr22 Required in Illinois

The range of coverage options provided by AAA ensures that non-owner car insurance policyholders have suitable protection in various situations.

Cost and Affordability Factors

The discussion now shifts to examining the factors related to cost and affordability of the various coverage options offered by AAA for non-owner car insurance policies. When considering non-owner car insurance from AAA, the cost can vary depending on several factors. The premium for this type of insurance is typically lower than traditional car insurance because it provides coverage for liability when driving a vehicle that the policyholder does not own. Factors that can affect the cost include the policyholder's driving record, age, location, and the amount of coverage selected.

AAA offers competitive rates for non-owner car insurance, making it an affordable option for individuals who frequently borrow or rent vehicles. The affordability of AAA's non-owner car insurance is also enhanced by the discounts and benefits that AAA members often receive. By leveraging these discounts and carefully selecting the coverage options that best suit their needs, policyholders can secure cost-effective non-owner car insurance through AAA. It is essential for individuals to compare quotes and consider the specific coverage features provided by AAA to ensure they are getting the most value for their money.

Benefits of AAA Non-Owner Insurance

When considering the benefits of AAA Non-Owner Insurance, individuals can leverage comprehensive coverage options tailored to provide financial protection while driving vehicles they do not own.

AAA's non-owner car insurance offers various advantages. Firstly, it provides liability coverage, which is crucial in case of at-fault accidents, covering bodily injury and property damage expenses for the other party involved. This coverage ensures that individuals are protected financially up to the policy limits.

Secondly, AAA Non-Owner Insurance may include uninsured/underinsured motorist coverage, offering protection if involved in an accident with a driver who lacks insurance or adequate coverage. This additional coverage can help cover medical bills and vehicle repairs.

Moreover, AAA's reputation for excellent customer service and reliable claims handling adds to the benefits of their non-owner insurance policies, providing peace of mind to policyholders knowing they are backed by a trusted organization in times of need.

How to Obtain Non-Owner Policy

To acquire a non-owner policy from AAA, individuals must first contact their local AAA branch to inquire about eligibility and obtain a quote. Non-owner car insurance is designed for individuals who do not own a vehicle but may need liability coverage when renting or borrowing a car. AAA offers this type of policy to provide coverage in situations where the driver is held responsible for damages in an accident.

See also  5 Essential Facts About Non-Owner SR-22 Insurance

When reaching out to AAA, potential policyholders should be prepared to provide information such as their driving history, any previous insurance claims, and the frequency with which they plan to use a non-owned vehicle. The cost of a non-owner policy from AAA will vary depending on factors such as the individual's driving record and the coverage limits selected.

Once all necessary information is provided and the quote is obtained, individuals can proceed with purchasing the non-owner policy to ensure they are adequately covered when driving a vehicle they do not own.


In conclusion, AAA does offer non-owner car insurance to eligible individuals. The coverage options provided by AAA cater to the specific needs of non-owners, offering affordability and benefits such as liability coverage and protection against uninsured motorists.

Obtaining a non-owner policy from AAA involves meeting certain eligibility criteria and considering cost factors. Overall, AAA's non-owner insurance presents a valuable option for individuals who do not own a vehicle but require coverage.

Call Us Now