Can I get a car insurance policy without owning a car?

Car insurance is mandatory for anyone operating a motor vehicle. You can get car insurance policy without owning a vehicle by adding yourself to a roommate’s or family member’s existing policy. You can also get non-owner auto insurance without owning a vehicle, and this kind of supplemental policy will kick in first if you’re in an accident driving a vehicle that isn’t yours. Shop for non-owner car insurance quotes here with our ZIP code search below.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Oct 26, 2020

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In a nutshell...

  • Car insurance is mandatory for anyone operating a vehicle
  • Non-Owner auto insurance is another layer of insurance protection for damages resulting from a car accident
  • Operating a vehicle without sufficient coverage can lead to hefty fines and loss of your license

Why would anyone need car insurance without owning a vehicle? Believe it or not, there are many reasons why someone would need car insurance without having title to a car.

While most auto insurance policies automatically provide coverage for drivers who operate a vehicle with the owner’s consent, there are circumstances when having your own system in place is not just preferable but also a requirement of law.

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When would you need car insurance if you do not own a vehicle?

If you operate a vehicle owned by someone else for casual outings, then you will most likely be covered by the owner’s car insurance policy in the event of an accident.

However, frequent use can make a car insurance company want to exclude you from coverage.

Whenever you primarily drive someone else’s car, it’s an excellent idea to buy car insurance coverage define as a non-owner car insurance policy.

Non-Owner auto insurance is another layer of insurance protection for damages resulting from a car accident when you operate a vehicle owned by another party.

This is essential car insurance coverage to have since the owner’s auto insurance company may not cover any liability if they determine you have been operating the vehicle much like a primary driver without having disclosed such use to the insurance provider.

Non-Owner car insurance is also extremely critical to have for people driving a car where the owner does not have sufficient coverage in place.

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What happens if I cause a car accident operating someone else’s car?

Car insurance laws about driver liability for an at-fault car accident operating another person car can sometimes be hard to understand, and the application of these laws can vary.

While the owner’s car insurance coverage may cover some damages, they are elements of the policy which may not extend to anyone else.

Victims can file suit against you and your assets, but with a sufficient non-owners car insurance policy in place, you will have some additional protection.

How does non-owner car insurance coverage work?

Non-Owner car insurance coverage works as supplemental insurance. Whenever a car accident happens, the type of damage will be the first subject of the vehicle owners’ auto insurance policy.

If the policy coverage of the vehicle owner provides insufficient limits of coverage, then the non-owner car insurance will kick in, up to the limits of coverage detailed in the policy.

If you feel like a non-owners car insurance policy is right for you, then its best to speak with a licensed car insurance company about your policy options as non-owners car insurance can be a little difficult to understand.

The best way to compare any car insurance coverage is to start a car insurance comparison online. Almost all insurance companies have quick and easy online tools to help compare rates and policy options.

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