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Do you need to purchase insurance when you borrow someone else's car?
"Do I need to buy insurance to drive my mom's car? Currently, I live in Kentucky and do not own a car. My mom lets me drive hers whenever I need it while I save my pennies to get a car of my own one day soon. Mom's car is insured with Allstate, but I am not listed as a driver."
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Since your mom already has insurance on the car, you will not need to buy a separate policy. Insurance follows the vehicle, so as long as she permits you to use the car, you will be considered a covered driver. Most carriers do not need to be notified about occasional operators.
If you drive the car regularly, meaning more than once a week, you need to be added to your mom’s
Allstate
policy as a driver. Depending on your age and driving history, it shouldn’t cost too much for the update. Once you purchase your new car, you may be able to save money by sharing the policy with your mom and getting the multi-car discount. If you decide to get a separate policy, give the free app
Jerry
a try. This free app can collect quotes from up to 45 top insurance companies in seconds!”View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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