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.