Do I need a non owners car insurance policy if I'm listed as a driver on a liability policy of my dad's car?

I'm listed as a driver on my dad's car insurance policy, and I'm the only person who uses the car. However, I wanted to remove the burden of the insurance policy by getting my own non owners car insurance policy. Can I do this?

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Eric Schad
Answered on May 04, 2021
Eric Schad has been a freelance writer for nearly a decade, as well as an SEO specialist and editor for the past five years. Before getting behind the keyboard, he worked in the finance and music industries (the perfect combo). With a wide array of professional and personal experiences, he’s developed a knack for tone and branding across many different verticals. Away from the computer, Schad is a blues guitar shredder, crazed sports fan, and always down for a spontaneous trip anywhere around the globe.
“No, you can’t have only a non owners car insurance policy on a vehicle if it’s available for regular use.
You’ll need to keep at least state-minimum liability coverage on the car, which you should already have as a driver on your father’s policy.
If it’s a financial burden for him to maintain the policy (or just a nuisance), you can find out if you qualify for any discounts with you and your dad’s current carrier. Alternatively, you two can shop around for quotes and switch over to a cheaper policy.
If you want to save money on car insurance, the Jerry app is a good place to start. A licensed broker, Jerry does all the hard work of finding the cheapest quotes from the top name-brand insurance companies and buying new car insurance. “
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