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Do I need a non owners policy if I borrow my friend's cars?

I borrow cars from different friends all the time. I don't have my own policy, but I think their policies may cover me. Should I get my own policy?

avatar
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“In most cases, your friends’
car insurance
policy will cover you. If you are a regular operator for one particular car, they really should add you as a driver to their policy.
Many people get peace of mind by buying
non owners car insurance
. This policy provides you with liability coverage for vehicles that you may rent or borrow.
In the case of borrowing a car, the policy your friend carries on the car would pay out first in the event of a claim, and then your policy would handle the overages.
You can get car insurance quotes online for non owners policies with many of the big-name carriers like
Progressive
,
Allstate
, and
Nationwide
.
Using an intelligent AI-based tool like the
Jerry
app will help you find great prices. Jerry works with over 40 carriers and will send quotes to your phone in minutes. “
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