First of all, in order to be covered in the United States, you need to be driving the vehicle with the permission of its owner. If you reside in the vehicle owner's household, in order to be covered, you will need to be listed as a driver on the vehicle owner's insurance policy. If you do not reside in the vehicle owner's household and you drive the vehicle with any kind of regularity, in order to be covered, you will need to be listed as a driver on the vehicle owner's policy. If you do not reside in the vehicle owner's household, you do not drive the vehicle with any kind of regularity, and you are driving the vehicle with permission, you should be covered to the extent the insurance company allows in its underwriting guidelines.
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Before driving someone's car make sure the car owner checks that you are insured under their insurance policy. If you have your own insurance on your own vehicles this would be secondary to the car owner's insurance which would be primary when you are driving their car. [Let CarInsurance.com help you find affordable auto insurance now.] Come here if you need to get a quote for a Canada auto insurance rate (or a United States auto insurance rate). | 
