Do I need auto insurance even if I don't have a car?
I no longer drive or own a car, but I was told that if I don't maintain insurance, my rates will go up in the future if I decide to get another car. Is this true?
Yes, that’s correct. If you have a lapse in car insurance coverage, you’ll likely be charged higher rates down the line.
To avoid this, you can get non-owner car insurance, which is a type of liability insurance that can cover you if you need to drive for some reason but don’t own a car. If you have this, it will be proof of continuous coverage and you can avoid being penalized for a lapse.
Did this answer help you?
Ask us a question by email and we will respond within a few days.
Have a different question?
You can meet us at our office and discuss the details of your question.
Read advice from car experts at Jerry
Browse by topics
What others are asking
Is it better to get home insurance online or in person?
I want my home insurance shopping to go as smoothly as possible. Should I shop online or in person?
Mar 01, 2021
If you've never submitted a claim, do car insurance companies give you your money back?
If I've never made a claim for damages and I want to cancel a policy, shouldn't my money be returned to me?
May 21, 2021
Can I get a car loan without a Social Security number?
I'm working in the country without a Social Security number. Will someone give me a car loan anyway?
Mar 12, 2021