How can I get auto insurance without owning a car?

I borrow and rent a lot of vehicles, but I live in a city and have no need to actually buy a car of my own. Is there a way I can get my own car insurance without actually having my own vehicle? Is this even possible?

Answer
Good question! To get auto insurance without owning a car, you’ll want to look into getting a non-owner car insurance policy, which is a very smart investment for someone who regularly borrows or rents. Almost all of the most popular insurance companies offer some sort of non-owner policy, and can provide you with state minimum coverage as long as you:
  • have a valid driver’s license.
  • do not own a vehicle in your name.
  • ensure that no one in your household owns a vehicle that you might have access to.
Generally, you can search for non-owner car insurance in the same way as any other car insurance. Shop around by reaching out to companies, checking their websites, and using quote comparison tools.
For personalized insurance quotes from over 50 of the nation’s top insurance companies, check out the Jerry app. All you’ll need to do is pick the quote that works best for you, so that you can get the best deal on the coverage you need—and once you pick one, we’ll help you switch over, too.
Happy shopping!
Chloe Jenkins
Answered on Dec 29, 2021
Chloe has a BA in Communication and Media Arts from Montclair State University and more than four years of experience in content writing, editing, and research. Before getting behind the keyboard at Jerry, Chloe was an Assistant Coordinator at her university and a film enthusiast working for the Montclair Film Festival. When she's not writing about car insurance, she spends her time with her pets, playing video games, or enjoying long weekend hikes.
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