Driver receiving car keys, covered by Non-Owner Car Insurance in Des Moines, IA, from The Insurance Specialists Inc.

Affordable Non-Owner Insurance for Iowa Drivers

Even if you don’t own a car, having the right insurance is essential when driving rented or borrowed vehicles in Des Moines, IA, and throughout Iowa.

At The Insurance Specialists Inc., we offer affordable, flexible non-owner car insurance to keep you protected on the road—whether you’re renting a car for a weekend, borrowing a friend’s vehicle, or need proof of continuous coverage.

Our non-owner insurance plans provide essential liability protection, covering property damage and injuries if you're at fault in an accident.

This coverage also helps you meet Iowa’s legal requirements, ensuring compliance while driving.

This policy is perfect for drivers in Des Moines and surrounding areas who:

  • Borrow or rent cars occasionally

  • Need continuous coverage to avoid coverage gaps

  • Require SR-22 filings for reinstating their license

Join the many Iowa drivers from Des Moines, Ankeny, Urbandale, and beyond who trust us for expert guidance, competitive rates, and hassle-free insurance solutions.

Get a quote today and stay covered on the road!

Specialized Non-Owner Insurance for Iowa Drivers

At The Insurance Specialists Inc., we know that not owning a vehicle shouldn’t mean driving uninsured.

That’s why we provide affordable, hassle-free, non-owner car insurance designed to keep Iowa drivers protected whenever they get behind the wheel.

With customized coverage and flexible options, we make it easy to stay compliant and protected.

We also partner with trusted providers like Dairyland Insurance, ensuring you get top-tier coverage without the high costs. Our policies provide essential protections, including:

  • Liability Coverage: Protects you financially for property damages or injuries and physical harm you may cause while driving a vehicle you don’t own, such as a rental or borrowed car.

  • Coverage for Uninsured/Underinsured Drivers: Helps cover injuries if the at-fault driver doesn’t have sufficient insurance.

  • Medical Coverage: Helps cover medical bills resulting from an accident, regardless of fault.

  • SR-22 Filing: This coverage helps meet SR-22 requirements if needed by the State.

  • Expert local guidance: Our dedicated team will guide you through the process, offering recommendations that fit your needs, whether you’re borrowing a car or filing an SR-22.

  • Reliable Providers: We partner with reliable providers like Dairyland Insurance.

Why Choose The Insurance Specialists, Inc.

Selecting the right insurance provider is a key decision, and it’s vital to choose one you can trust. Here’s why many Iowa drivers rely on us:

Expert Advice

Our team of knowledgeable Iowa insurance experts brings years of experience to help you make informed decisions.

Customizable Plans

We provide flexible coverage options designed to fit your specific driving needs, even without owning a vehicle.

Affordable Rates

Through partnerships with top, reliable insurers, we ensure you receive the best rates tailored to your needs and budget.

Trusted Relationships

Our strong ties with reputable insurance companies allow us to offer reliable and comprehensive coverage you can count on.

Non-Owner Insurance FAQs

We understand that this type of coverage can be confusing, so we’ve gathered answers to some of the most frequently asked questions.

Whether you’re occasionally borrowing a car or need coverage without owning a vehicle, these FAQs will help guide you through your options.

Non-owner car insurance offers protection for individuals who don’t have a vehicle but occasionally drive someone else’s car or rent one. It covers liability if you’re at fault in an accident, ensuring that damages or injuries to other people are paid for.

This coverage is ideal for individuals who don’t own a car but occasionally drive someone else’s vehicle or rent cars regularly. It’s also useful for people who want to maintain continuous insurance coverage to avoid gaps.

No, this insurance typically doesn’t cover damage to the vehicle you’re driving. It only provides liability coverage for injuries or damages you may cause to other people or their property.

Yes, if your license has been suspended, this coverage may fulfill the SR-22 or FR-44 filing requirement, which can help reinstate your driving privileges.

Yes, it can provide liability coverage when renting a car. However, it does not cover damages to the rental car itself, so additional rental car insurance may be needed.

Typically, it costs less than traditional policies since it only provides liability coverage. The actual price can depend on several factors, such as your driving history and where you live.

If you already have a personal auto insurance policy, you likely don’t need this additional coverage. However, if you don’t own a vehicle and need liability coverage, this can be purchased as a standalone policy.

Generally, it covers injuries or damages you cause to others, including passengers in the vehicle you’re driving. However, it won’t cover injuries to you or damage to the vehicle itself.

This coverage usually provides protection for personal use only. If you need coverage for business-related driving or rental vehicles used for work, you may need a separate commercial policy or additional coverage.

You can purchase this coverage through most major insurance companies like The Insurance Specialists, Inc. It’s important to compare quotes and ensure that the policy meets your specific needs, especially if you plan to drive frequently or need SR-22 filing.

Our Auto Insurance Services

Explore our range of tailored auto insurance services designed for every vehicle owners’ unique needs.

Click on the links below to learn more about each service and find the coverage that best suits your situation.

Looking for the Right Insurance Coverage?

Ensure your peace of mind with the right coverage. Get in touch with us, and we’ll help you explore insurance options that match your priorities and fit your budget.

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