WalletHub, Financial Company
@WalletHub
Yes, you can get car insurance without a car. You can buy non-owner car insurance which will provide your state minimum car insurance coverage as long as you have a valid driver's license, do not have a vehicle registered in your name, and do not have access to a household vehicle.
How to Get Car Insurance Without a Car
- Present a valid driver’s license
- Make sure you don’t own a vehicle in your name
- Ensure that no one in your household owns a vehicle that you might have access to (sometimes required)
Non-owner car insurance is liability-only coverage, which only covers injuries or property damage that you cause to other drivers. It does not provide coverage for you, your passengers, or the car you are driving.
When to Consider Getting Car Insurance Without a Car
Your friends’ insurance policies might allow them to list other drivers for permissive use, which would cover accidents that occur while you’re borrowing their car. But any damages that go beyond the limits of their policy would be your financial responsibility. By obtaining non-owner insurance, you provide yourself with additional protection in such cases.
Non-owner car insurance policies vary in cost, but they’re typically cheaper than car insurance coverage for a vehicle you own. Your age, driving history, where you live, and how often you drive all factor into the rates you may be offered.
If you are interested in obtaining non-owner car insurance coverage, we recommend seeking quotes from several insurance companies before making a final decision.
Scott Ivlow, Member
@scottivlow
There is a quote in the article that is completely wrong. Especially if you live in Florida and you need a Non Owners Policy with or without a required SR-22 form. You can call the Progressive national toll-free number what they will do is direct you to your local Progressive agent that can actually write a SR-22. That Progressive agent will write you a a Non-owners policy and with the SR-22. This is regardless if you are currently a Progressive policy holder. Basically your local Progressive Insurance agent will use a subsidiary of another insurance company. Progressive is an independent insurance company. Your local local Progressive agent can find an affordable non owners policy rate.
People also ask
Do I need car insurance if I don't own a car?
No, you do not need car insurance if you don't own a car and don't plan to drive, unless your state has required you to file an SR-22 or FR-44. If that is the case, then you can purchase non-owner insurance, which will give you at least the minimum amount of coverage required by your state.
Even if you’re not required to carry non-owner car insurance, it’s a smart investment if you want the freedom to...
read full answerCan I get a car insurance quote without a car?
Yes, you can get a car insurance quote without a car if you have the year, make, and model of the car you are considering buying. If you do not plan to buy a car, you can get a quote for non-owner car insurance by calling a local agent. Most major insurance companies offer non-owner car insurance, but they usually only provide quotes over the phone.
How to Get an Insurance Quote Without a Car
- ...
How can I get car insurance before buying a car?
To get insurance before buying a car, you will need to figure out the exact car you are hoping to purchase. You will need information about the vehicle (it’s make, model, vehicle identification number, etc.) in order to shop around for insurance quotes with different companies and then select and purchase a policy.
However, if you already have an insurance policy for a different car, you don’t need to get new insurance before buying...
read full answerDid we answer your question?
Actually if driver has a suspended or cancelled licence and doesn't own a vehicle and by a State DMV or judge are required to purchase a Non Owners Policy, they can do it with a Valid State Issued ID card that will have the same License number as the D.L. that valid State ID card will meet the requirement for the agent for this person to buy a Non Owners insurance policy.