How do I buy car insurance without a car?

I don't have a car yet—I'm in my mid-twenties and I only just managed to get my license—but I want to make sure I'm fully covered on any cars I do drive. I've heard that I should get insurance, even if I don't have a car—but is that true? And if it is, how do I do that?

Answer
“I’m happy to report that as long as you have a license (congrats, by the way!) you can get car insurance, even without a car!
You’ll just have to shop specifically for non-owner insurance, since you’re not looking to insure a vehicle. Non-owner insurance, or NNO as it is commonly referred to, is a great option if you frequently drive a car that belongs to someone you don’t live with—it provides you with liability coverage, and it’s frequently cheaper than a primary car insurance policy.
It is also a good choice if you ever want to rent a car in the future. This policy would provide liability coverage automatically. You would only need to purchase comprehensive and collision coverage from the rental agency.
A great way to find the best deal on non-owner insurance is to use a free tool like Jerry. We can compare multiple quotes from different providers to make sure you’re getting the best deal, so you can rest assured that you’re fully covered whenever you drive.”
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Ben Guess
Answered on Aug 19, 2021
Ben has a BA in Journalism + Design from The New School, as well as three years’ experience in content writing and data journalism. They are deeply interested in how the car industry intersects with issues of inequity in the world, as well as in making auto insurance more accessible through writing. When they’re away from the keyboard, they enjoy baking, embroidering, and playing Dungeons and Dragons with friends. They are based in Boston, Massachusetts.
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