While non owners car insurance
is a great policy to have, it might not work for some people. It sounds like you will be taking advantage of San Francisco’s active public transportation, so you have a few options.
Your roommate has the option to add you as a driver to their policy. This way, you wouldn’t need the non owners policy at all. If you keep the non owners policy and drive their car, their insurance would pay out first in the event of a claim. Then your policy would handle liability coverage
overages, if there are any.
Since this is a new situation for you, you may want to convert your current car insurance to a non owners policy after selling your car. Once you get to San Francisco, see how you feel. After living there for a month or two, you will know if you need the policy or not. “