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Insurance on a license, often known as non-owner car insurance, covers individuals who don’t own a car but still drive occasionally. It’s a good choice for those renting cars, using car-sharing services, or having a suspended license due to violations.

It provides liability coverage, which pays for injuries or damage you cause to others in an accident. However, it doesn’t cover the vehicle you’re driving but focuses on protecting you from unexpected expenses.

Differences from regular car insurance 

Regular car insurance is for those who own a vehicle and provides coverage for both the driver and the car. It typically includes liability, comprehensive and collision coverage for your vehicle. On the other hand, insurance on a license doesn’t cover the car itself; it’s solely for the driver’s liability protection.


Regular car insurance covers both the driver and the car, insurance on a license is tailored for individuals who don’t own a car but still need liability coverage when driving other vehicles. It helps maintain coverage while being a responsible driver, even without owning a car. Just like any other financial decision, it’s best to compare options and talk to an insurance agent to determine the best choice for your needs.