How do I buy auto insurance without a car?
Is it possible to buy car insurance if I don’t own a car? My city has a car sharing service. I don’t own a car, so using this service from time to time would be very handy. I don’t want to be liable for any damage!
Phoebe Mah · Answered on Jan 06, 2023
Reviewed by Shannon Martin, Licensed Insurance Agent.
Yes, you can buy car insurance if you don’t own a car!
Just as the name suggests, non-owner car insurance is for people who don’t own a vehicle, but still need a policy or want extra coverage.
Usually, non-owner car insurance will be for liability coverage. If you’re renting a car through a car sharing service, they likely also have an insurance policy. Typically, this will cover any damage or accidents while you’re renting the car. You may also be able to add additional collision coverage through them.
Should you borrow a friend or family member’s car, a non-owner policy will cover you as well.
If this sounds like the right coverage for you, you will need to request quotes from insurance providers. Typically, companies won’t provide non-owner quotes online, so you’ll need to call around to determine who can offer a policy.
For help finding the best coverage, call Jerry. Jerry’s licensed agents are happy to help match you with the perfect policy to ensure you have the right coverage when renting or borrowing cars.
View full answer
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
Browse More Content
Insurance in Your State
What Others Are Asking
How do you open the gas tank on a BMW 750Li?
I totaled my car last week, so I’m borrowing my brother’s fancy car while I look for another one. I’m still getting used to it, but there are a few things I can’t figure out. How do you open the gas tank for a BMW 750Li?
Jan 06, 2023
How many 1968 Dodge Coronet R/T models were made?
My son and I love restoring classic cars, but so far we’ve gone for cheaper ones. Our dream is to find a 1968 Dodge Coronet R/T, but we haven’t had much luck finding one. How many were made?
Jan 06, 2023
How many 1968 Dodge Dart GTS models were made?
My dad is planning to sell a 1968 Dodge Dart GTS, but he didn’t know how much to ask for it or how rare it was. How many 1968 Dodge Dart GTS models did they make?
Jan 06, 2023
Read Advice From Car Experts At Jerry
Kia Soul + Test Ratings
The Kia Soul + has earned safety awards and overall excellent ratings from the IIHS and NHTSA.
Look Out for These Invasive Plants in Hawaii
Albizia, miconia, and smothering seaweed are just a few of Hawaii’s most troublesome invasive plant species.