Does Auto Insurance Cover Driving Someone Else’s Car?

Have you ever been in a situation where you needed to borrow someone else’s car? Maybe it was for an emergency, or maybe you just needed to get somewhere and didn’t want to use your own car. Whatever the reason, if you’re going to drive someone else’s car, you need to make sure that your auto insurance coverage is adequate for the task. In this post, we’ll dive into the nitty-gritty of auto insurance and discuss whether it can cover you if you’re driving someone else’s car. We’ll also explore what steps you need to take to ensure that your policy provides sufficient protection when behind the wheel of another person’s vehicle.

Does auto insurance cover driving someone else’s car?

If you’re wondering whether your auto insurance policy covers you for driving someone else’s car, the answer is maybe. It depends on your individual policy and the type of coverage you have. If you have comprehensive and collision coverage, then your insurance will likely cover damage to the car you’re driving, no matter who owns it. However, if you only have liability insurance, then your coverage will only extend to the other driver’s property (i.e. their car) and not your own.

It’s always a good idea to check with your insurance company before getting behind the wheel of someone else’s car, just to be sure. And even if your policy does cover you for driving someone else’s car, there may be some restrictions in place (for example, only for certain people or purposes). So it’s still worth reading the fine print of your policy before assuming that you’re fully covered.

When does auto insurance cover driving someone else’s car?

Auto insurance typically covers personal liability or injury while driving someone else’s car with their permission. There are, however, situations where your insurance may not cover you or may only provide limited coverage.

If you cause an accident while driving someone else’s car, your liability coverage will likely pay for the other driver’s damages, up to your policy limits. If the other driver sues you, your personal umbrella policy or the other driver’s insurance could also help cover costs. However, if you are found to be at fault for the accident, your premium may go up.

If you don’t have permission to drive the car – for example, if you borrow a friend’s car without asking – most auto insurance policies will not cover you if you get into an accident. If the car is rented or leased, check with the rental company or leasing company to see what kind of coverage they provide. You may need to purchase additional insurance from them to be fully covered.

Some auto insurance policies have exclusions for certain types of drivers or cars. For example, some insurers will not cover teenage drivers or drivers with a lot of accidents on their record. Make sure you understand what your policy does and does not cover before you get behind the wheel of someone else’s car.

How to get auto insurance

If you’re looking to get auto insurance, there are a few things you’ll need to do. First, you’ll need to find an insurance company that suits your needs. There are a variety of insurance companies out there, so it’s important to shop around and compare rates before you make a decision.

Once you’ve found an insurance company you’re happy with, the next step is to get a quote. When getting a quote, be sure to provide accurate information about yourself and your vehicle. Once you have a quote, you can start the process of signing up for auto insurance.

Alternatives to auto insurance

There are a few alternatives to auto insurance that may cover you in the event that you drive someone else’s car. One option is to purchase a non-owner car insurance policy, which typically covers liability. Another option is to ask the person whose car you will be driving if they have an auto insurance policy that would cover you in the event of an accident. Finally, some credit cards offer rental car insurance coverage that may extend to driving someone else’s car.


In conclusion, whether your auto insurance covers you while driving someone else’s car depends on the coverage you currently have. Generally speaking, most standard policies will provide liability coverage but won’t cover any damage to the other person’s vehicle or personal items that are damaged in an accident. It is important to read through your policy and contact your insurer if you have any questions about what is covered when you drive someone else’s car.