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Do I need insurance if I have a drivers license but no car?


No, you do not need insurance coverage since you do not own a vehicle unless you are in a situation where the courts (or state) require you to carry financial responsibility coverage, but you don't own a vehicle.

If you drive someone else's vehicle, their insurance will cover you as long as you have permission, unless a specific exclusion applies. If you are living at home with your parents or with someone else and will be driving their car they should contact their insurance company to determine if you are covered.

You may also consider purchasing a "nonowners" insurance policy. Many insurance companies offer a nonowners policy for people who drive occasionally but don't own their own car. Nonowners policies typically include liability, medical payments, and uninsured/underinsured motorist coverages. Nonowners policies do not include coverage for a vehicle like comprehensive, collision, towing reimbursement, or rental reimbursement coverage.

What's more, a nonowners policy provides coverage for any car you drive, not just rental cars. If you borrow a car from a friend and get into an accident in a borrowed car, your friend's insurance would kick in first. But if, for example, the accident was your fault and the damage to the other driver's property exceeded the liability limits on your friend's policy, your nonowners insurance policy would cover the excess (up to policy limits). A nonowners would not cover to fix your friend's car.

You can shop for insurance by getting a nonowners policy quote here or if you already own a car, get a car insurance quote.


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13 Responses to "Do I need insurance if I have a drivers license but no car?"
  1. Fortune

    Under the law of Colorado, any person who has a driver's license must have auto insurance(even if you don't have a car). According to DMV, if you have a driver license it's big chance that you will drive at any moment so insurance is needed.

  2. Dovie Glsson

    If I borrow a car for the driver test, I don't need car insurance? The car owner has insurance on the car already.

  3. Visitor

    This answered several questions for me. Very helpful.

  4. Anonymous

    Answered my question.

  5. Anonymous

    Answered my question in the first two sentences...perfect!

  6. Anonymous

    they explain in simple words

  7. Anonymous

    succinct, first link that came up on Google search, provided an example scenario I could understand.

  8. Anonymous

    It answered perfectly the question that I had! Very helpful site! Gave me back my peace of mind!

  9. Anonymous

    it cleared all my doubts

  10. Anonymous


  11. Anonymous

    This site is very helpful and I am sure i'll be coming back to answer more questions, thanks.

  12. Anonymous

    it answered my question perfectly how i wanted and i may now get the car for the week end.

  13. Anonymous

    It answered the question I had.