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How do you get auto insurance without a car?
Can I get car insurance if I don't have a car? I'm borrowing my buddy's car for a quick road trip and I want to be sure I'm covered if something happens.
Joshua Levy · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Getting auto insurance when you don’t have a car might sound strange, but it’s an easy process that can save you thousands in the long run! One way to go about it is by purchasing non-owner car insurance.
Most auto insurance follows the car, not the driver, so your friend’s insurance will probably provide you with
comprehensive
and collision coverage
—although you should ask your friend to be sure.With that in mind, non-owner car insurance is not always necessary, but it will typically offer drivers liability coverage for bodily injury and property damage (which your friend’s insurance may not cover).
- have a valid driver’s license.
- not have any vehicle titles in your name.
- guarantee that no one in your household has a vehicle that you can use.
Remember, non-owner car insurance only covers liability (damages to others). Many providers will not cover injury or damages to you, your passengers, or the car you’re driving under non-owner policies. So it’s important to check with your insurance company and make sure you understand exactly what you’re getting.
Non-owner car insurance is usually much cheaper than liability coverage for your own car. But that may depend on factors like your location and more. To make sure you’re getting the best deal possible, try
Jerry
. A licensed broker that offers end-to-end support, the Jerry app gathers affordable quotes and sends them directly to your phone for free.”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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