Do I have to have auto insurance if I do not own a car, but I drive other peoples’ cars?

Asked by Kyle Farley from Florida

Hi Kyle,

Thanks for your question. The answer is no, you don’t have to purchase an auto policy of your own when you only drive others’ cars and don’t drive one of your own. But, if you choose not to purchase your own auto policy and end up having an accident, for any damages that run more than the amount of coverage the car’s owner carries, you’ll end up paying the difference out of your own pocket. And that can be financially devastating.

There are two ways you can handle this. The best and safest option is to purchase what’s called a “non-owner” auto insurance policy. That kind of coverage will protect you and whatever vehicle you’re driving if and when you have an accident. You can read more about non-owners auto insurance here: The Basics of Non-Owners Insurance.

If you simply don’t have the money and choose not to purchase a policy of your own, you can drive a friend or family member’s car and be covered under their policy—as long as you have permission from the owner to use the vehicle. Here’s more information on Car Insurance & Roommates or Family Members.