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How do I insure myself to drive any car?

I borrow cars from my friends a lot. I also travel and rent cars often. What's my best bet in terms of car insurance? Can I insure myself without personally owning a car?

avatar
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
If you want to be insured when driving any car, you’ll want to get a
non-owner policy
, which follows you no matter what vehicle you drive.
While non-owner coverage is your best bet because it means you have your own policy, there are actually two options here.
  • Standard
    car insurance
    policy: Most policies cover permissive use, which means that you’d be covered by the car owner’s insurance policy when you drive their vehicle. This could work if you only borrow personal cars occasionally, but not for other vehicles or more frequent driving.
  • Non-owners insurance: This
    liability-only
    policy will protect you if you injure others in an at-fault accident, or if you cause damage to another driver’s vehicle or property—but it does not cover the borrowed car you are driving. The vehicle would need to have
    collision coverage
    to offer coverage to the vehicle you’re driving. If you rent a vehicle, you would need to get some type of
    physical damage coverage
    from the rental company or another source.
PRO: Non-owners insurance is a great preventative measure. Even better, by having a non-owner policy, you should be able to reject rental companies’
rental car insurance
from now on.
CON: Not every car insurance company offers non-owner policies.
GEICO
and
Progressive
do, but you should definitely shop around to get other quotes.
View full answer 
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