I don't have a driver's license, I don't own a car and I don't ever drive. Do I need car insurance?

In a word, no. Every state except New Hampshire requires drivers to be insured, but these laws don't apply to you if you don't plan to drive and don't have a driver's license.

You'll need to purchase car insurance if you ever decide to drive and buy or lease a car. If you get to that point, check with your state to see what the minimum requirements are for liability auto insurance, which covers damage and injuries to others if you cause an accident. Some states also require you to carry personal injury protection insurance, which covers the injuries to you and your passengers in an accident, regardless of who is at fault. You may also be required to purchase uninsured motorist coverage, which pays for your medical treatment if an uninsured driver injures you and your passengers.

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For details, see Minimum levels of car insurance you are required to buy.

Although it's wise to know the legal requirements, base your insurance purchase on your own needs--not what the state requires. State minimum liability requirements are low. If you buy a car, consider optional types of coverage, such as collision and comprehensive. Collision insurance covers repairs to your car if you're in a traffic accident. Comprehensive insurance pays for repairs or replacement if your car is stolen or damaged by things other than a traffic accident, such as collision with an animal, natural disaster or vandalism.

If you decide to drive, but don't own a car, purchase rental car insurance when you rent cars and make sure your friends or family members have good insurance coverage on their vehicles when you borrow them. If you ever frequently borrow or rent cars, consider a non-owners car insurance policy, which provides liability protection.