Q: 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?
May 04, 2021

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?

Answer provided by
Eric Schad
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“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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This app is truly amazing and I recommend it to everyone. They were able to save me over $100/yr on car insurance, and I hardly had to do a thing. They got finalized quotes for me in minutes, and I didn't have to call anyone. They also canceled my old policy, and got me on to my new one for me!