Can You Have Car Insurance On A Car You Don’t Own?

Car insurance is an important part of owning and operating a vehicle, but what if you don’t actually own the car? Can you still get coverage? It turns out that the answer is yes—you can have car insurance on a car you don’t own. In this article, we will explore how it works and why it’s important to know the rules before signing up for coverage. We will also explain how to get the most out of your policy when driving somebody else’s car or renting a car for short-term use. Read on to learn more about getting insured on a car you don’t own.

Can You Have Car Insurance On A Car You Don’t Own?

If you don’t own a car but still need insurance for some reason, you may be wondering if it’s possible to get car insurance on a car you don’t own. The answer is yes, but there are some restrictions and conditions that apply.

To get insurance on a car you don’t own, you will need to be listed as an insured driver on the vehicle’s insurance policy. This means that you will be covered by the policy in case of an accident, but the coverage will be limited to what is outlined in the policy. You will not be able to make any claims on the vehicle itself, as you do not own it.

In most cases, you can only get insurance on a car you don’t own if the car is owned by a close relative, such as a parent or sibling. This is because insurers typically consider drivers who are related to the owner of the vehicle to be less of a risk than those who are not related.

How to Get Car Insurance If You Don’t Own a Car

It may seem counterintuitive, but you can purchase car insurance even if you don’t own a car. This type of insurance is called non-owner car insurance, and it’s designed for people who drive occasionally or who don’t own a car but still need coverage.

Non-owner car insurance can be a good option if you:

-Drive someone else’s car frequently

-Rent cars often

-Use a car sharing service such as Zipcar or Car2Go

-Need to maintain your driver’s license for work purposes (e.g., you’re a salesperson who needs to drive to client meetings)

If any of these circumstances apply to you, non-owner car insurance may be worth considering. Even if you don’t fall into one of the above categories but still don’t own a car, you may still be able to find insurers that offer this type of coverage.

Pros and Cons of Having Car Insurance on a Car You Don’t Own

There are both pros and cons to having car insurance on a car you don’t own. On the plus side, it can provide financial protection in the event that you are involved in an accident with an uninsured or underinsured driver. It can also give you peace of mind knowing that you are covered in the event of any damage to the car.

On the downside, car insurance can be expensive, and if you don’t own the car, you may not be able to get all of the discounts that you otherwise would be eligible for. In addition, if the car is totaled in an accident, your insurance company will only pay out up to the value of the car, which may not be enough to cover your costs.


In conclusion, you can have car insurance on a car that you don’t own, but it will depend on the type of coverage and your insurer. While this is an option for some people in certain situations, it may not be the best choice for everyone. Before making any decisions about your car insurance policy, make sure to research all of your options and find the one that works best for you.