Named Non-Owner

Named Non-Owner refers to a person listed on a Texas auto insurance policy who does not own a vehicle but needs liability coverage for driving cars owned by others — borrowed, rented, or briefly operated. A named non-owner policy carries the Texas 30/60/25 minimum liability limits or higher, satisfies the state financial responsibility requirement, and can support an SR-22 filing. It insures no specific vehicle, so it pays nothing toward collision, comprehensive, or damage to the borrowed car itself; that car's own policy is primary for physical damage. It also excludes company vehicles and any vehicle regularly available in the driver's household. In Texas it is bought most often by drivers reinstating a license who rely on borrowed cars, rentals, or rideshare.