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Do I need auto insurance even if I don't have a car?
I no longer drive or own a car, but I was told that if I don't maintain insurance, my rates will go up in the future if I decide to get another car. Is this true?
Carol Chung · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Yes, that’s correct. If you have a lapse in car insurance coverage, you’ll likely be charged higher rates down the line.
To avoid this, you can get
non-owner car insurance
, which is a type of liability insurance that can cover you if you need to drive for some reason but don’t own a car. If you have this, it will be proof of continuous coverage and you can avoid being penalized for a lapse.View full answer
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