Yes, you can get car insurance without owning a car by purchasing a non-owner car insurance policy. This type of policy provides liability coverage when you occasionally drive vehicles you don't own, such as rental cars or a friend's car. It's primarily designed for frequent renters, individuals using car-sharing services, or those who have lost their license and need to file an SR-22 form.
Non-owner insurance is a sound financial move because it maintains continuous insurance coverage, which can prevent higher premiums when you eventually buy a car. Insurance companies view a gap in coverage as a risk factor. However, it's crucial to understand what these policies do and do not cover. The core coverage is liability, which pays for injuries and property damage you cause to others. It typically does not include comprehensive or collision coverage, meaning damage to the car you're driving isn't covered.
| Common Scenario | Non-Owner Policy Applicable? | Key Consideration |
|---|
| Renting a car for vacation | Yes, often better than rental company insurance | Confirm policy includes adequate liability limits for your state |
| Borrowing a friend's car weekly | Yes, crucial for primary liability coverage | The car owner's policy is primary; yours is secondary excess coverage |
| Using a car-sharing service (e.g., Zipcar) | Sometimes, but the service provides primary insurance | Your policy may act as secondary or for higher liability limits |
| Driving a company-owned car | Usually not necessary | Company's commercial policy should cover you as an employee |
| After a DUI to meet SR-22 requirements | Yes, a common and valid solution | You must purchase a policy from an insurer licensed to file SR-22 forms |
To get a quote, you'll need to contact insurers directly, as online quoting tools are often designed for vehicle-specific policies. Be prepared to provide your driver's license number and details about your driving history. Costs vary significantly based on your location, driving record, and desired coverage limits, but they are generally less expensive than a standard policy for a vehicle you own.
