Insurance without a car
For drivers in the US who use cars they do not own, this is car insurance in your own name.
If you hurt someone or wreck their property in a borrowed or rented car, it pays them; it never fixes the car you were driving. The US average is about $42 a month in the insurance.com rate study.
Ask a licensed agent: call 833-958-5598The average cost each month in the US for a non-owner policy is $42.
See the price in your state
Car insurance without a car does exist. A non-owner car insurance policy covers you, the driver, any time you are behind the wheel of a car that belongs to someone else. Whether you need this policy depends on how often you drive and whose car you use.
When might you need one?
A non-owner policy is a practical pick when you drive regularly but do not own a car. Frequent rentals, car-sharing use, and driving a friend's car in most weeks all fall under this. It also helps when your state requires you to show proof of insurance to get your license back.
When can you skip it?
If you borrow a car just a few times each year, the owner's policy usually covers you as an occasional driver. When you live with the car's owner, you should be listed on their policy instead of buying your own, because insurers want every driver in the home to be named.
What your answers tell you about non‑driver coverage
| Your situation | What fits | Why |
|---|---|---|
| You own a car | Your own car policy already covers you | If you own a car, its policy already protects you, and a non-owner policy is unavailable. |
| You need proof of insurance for your license | A non-owner policy is right for you | If you do not own a car but must show proof of insurance to get your license back, a non-owner policy is the standard way to carry that proof. |
| The car you drive most belongs to a household member | Get added to their policy instead | If a person in your household owns the car you usually drive, you belong on their policy, not on a non-owner one. |
| Each year, you get behind the wheel of someone else's car 12 or more times | A non-owner policy is right for you | Driving cars you do not own 12 or more times a year puts you beyond the occasional use that an owner's insurance is designed to cover. |
| You drive cars you do not own fewer than 12 times a year | The owner's policy usually covers you | Fewer than 12 drives a year is considered occasional, and the car owner's insurance usually handles it. Getting a non-owner policy would just add your own limits on top of theirs. |
| No driving at all | You may not need one yet | Someone who is not driving at all needs no car insurance until they begin driving again. |
Common Questions About Insurance Without a Car
Is there such a thing as non-driver car insurance?
Not if you plan to drive. If you never drive, you do not have to carry car insurance. If you drive but do not own a car, a non-owner car insurance policy is what you look for.
Do I need insurance to drive a friend’s car?
Usually not for a rare trip; the friend's policy covers any driver they permit. If you drive it often, ask the owner to add you to their policy, or buy a non-owner policy.
Can I get insurance without a car to keep my record going?
That is correct. A break in your insurance history can increase what you pay later when you buy a car; a non-owner policy keeps your record continuous.
Get your non-owner quote by phone
A licensed agent takes your call, goes through how you drive for free, and finds you non-owner quotes right away.
Call 833-958-5598