{"id":2209,"date":"2025-12-04T09:26:41","date_gmt":"2025-12-04T09:26:41","guid":{"rendered":"https:\/\/www.way.com\/ask\/?p=2209"},"modified":"2025-12-04T09:26:41","modified_gmt":"2025-12-04T09:26:41","slug":"can-you-get-car-insurance-without-a-car","status":"publish","type":"post","link":"https:\/\/www.way.com\/ask\/can-you-get-car-insurance-without-a-car\/","title":{"rendered":"Can you get car insurance without a car?\u00a0\u00a0"},"content":{"rendered":"<p><span data-contrast=\"auto\">Car insurance for those without a car is common. To be insured, you must purchase a non-owner&#8217;s insurance or be included in someone\u2019s policy. Based on the risk category, you may have to purchase an SR-22 non-owner&#8217;s car insurance if you have made any traffic violations.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">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.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><span data-contrast=\"none\">Who needs car insurance without a car?\u00a0<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">You need car insurance even if you\u00a0don\u2019t\u00a0own a car:\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<ul>\n<li><span data-contrast=\"auto\">You are driving a borrowed car.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"auto\">Drive rented cars\u00a0frequently.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"auto\">Avoid a car insurance lapse after selling the car.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"auto\">You don&#8217;t own a car but need to file an SR-22.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<h2 aria-level=\"2\"><span data-contrast=\"none\">How to get car insurance without a car?\u00a0<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">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\u2019t 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. <\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">If you want\u00a0additional\u00a0coverage for UI\/UM, ask for it specifically, as not all insurers providing non-owners insurance might have that coverage as\u00a0an option.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><span data-contrast=\"none\">How does non-owner car insurance work? <\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">Non-owner&#8217;s car insurance is meant to cover your financial liability in an at-fault accident while driving a car that you\u00a0don\u2019t\u00a0own. The insurance only covers the loss for third parties. It kicks in when the claim exceeds the owner&#8217;s coverage limit.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Car insurance for those without a car is common. To be insured, you must purchase a non-owner&#8217;s insurance or be included in someone\u2019s policy. Based on the risk category, you may have to purchase an SR-22 non-owner&#8217;s car insurance if you have made any traffic violations.\u00a0 Typically, insurance provides liability coverage. Hence, the indemnity for&hellip; <a class=\"more-link\" href=\"https:\/\/www.way.com\/ask\/can-you-get-car-insurance-without-a-car\/\">Continue reading <span class=\"screen-reader-text\">Can you get car insurance without a car?\u00a0\u00a0<\/span><\/a><\/p>\n","protected":false},"author":5,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[2],"tags":[],"class_list":["post-2209","post","type-post","status-publish","format-standard","hentry","category-auto-insurance","entry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Can you get car insurance without a car?\u00a0\u00a0 - ask<\/title>\n<meta name=\"description\" content=\"You need car insurance without a car in specific scenarios. Go through this article to learn more about the non-owner&#039;s auto insurance.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.way.com\/ask\/can-you-get-car-insurance-without-a-car\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Can you get car insurance without a car?\u00a0\u00a0 - ask\" \/>\n<meta property=\"og:description\" content=\"You need car insurance without a car in specific scenarios. 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