"Do you need to purchase insurance when you borrow someone else's car?"

Do I need to buy insurance to drive my mom's car? Currently, I live in Kentucky and do not own a car. My mom lets me drive hers whenever I need it while I save my pennies to get a car of my own one day soon. Mom's car is insured with Allstate, but I am not listed as a driver.

Answer provided by
Shannon Martin
Answered on Jun 25, 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.
“Since your mom already has insurance on the car, you will not need to buy a separate policy. Insurance follows the vehicle, so as long as she permits you to use the car, you will be considered a covered driver. Most carriers do not need to be notified about occasional operators.
If you drive the car regularly, meaning more than once a week, you need to be added to your mom’s Allstate policy as a driver. Depending on your age and driving history, it shouldn’t cost too much for the update.
Once you purchase your new car, you may be able to save money by sharing the policy with your mom and getting the multi-car discount. If you decide to get a separate policy, give the free app Jerry a try. This free app can collect quotes from up to 45 top insurance companies in seconds!”

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