Question

Can you get car insurance without a car?  

Yes, you can get car insurance without a car, mainly through a non-owner's insurance policy.  

Car insurance for those without a car is common. To be insured, you must purchase a non-owner’s insurance or be included in someone’s policy. Based on the risk category, you may have to purchase an SR-22 non-owner’s car insurance if you have made any traffic violations. 

Typically, insurance provides liability coverage. Hence, the indemnity for bodily injury or property damage of a third party is covered. Added to this, uninsured/underinsured motorist coverage or medical payments coverage is also offered based on the insurer you choose. 

Who needs car insurance without a car?  

You need car insurance even if you don’t own a car:  

• You are driving a borrowed car.  
• Drive rented cars frequently.  
• Avoid a car insurance lapse after selling the car.  
• You don’t own a car but need to file an SR-22. 

How to get car insurance without a car?  

You can buy non-owner insurance through the regular channels, whether online or in person. Not all car insurance providers offer insurance to those who don’t own a car. Therefore, you need to communicate with the insurers or search through online channels to confirm the availability of the insurance. Usually, the rates for this type of insurance are lower than regular auto insurance.  

If you want additional coverage for UI/UM, ask for it specifically, as not all insurers providing non-owners insurance might have that coverage as an option.  

How does non-owner car insurance work?  

Non-owner’s car insurance is meant to cover your financial liability in an at-fault accident while driving a car that you don’t own. The insurance only covers the loss for third parties. It kicks in when the claim exceeds the owner’s coverage limit.