Do I need a car insurance policy to drive a neighbor’s car in NY?

I have a driver's license in NY but do not own a car. Do I need my own insurance policy to borrow and drive my neighbor’s car?

Answer
“It can depend on how often you borrow their car. If you are borrowing a car from the same person on a regular basis, you should be added to their insurance policy as a driver.
If you are borrowing the car for one-time use, or if you borrow vehicles infrequently from multiple people, you do not need to do anything, provided that their insurance policy allows coverage for permissive use (you using the vehicle with their permission).
If you intend to rent or borrow vehicles on a regular basis, you should look into getting what is referred to as a non owners car insurance policy. This provides liability coverage for bodily injury and property damage while operating another person’s vehicle. It can also include personal injury protection for yourself.”
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Shannon Martin
Answered on Apr 29, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
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