Car Insurance Do I need to own a car to qualify for insurance on a license? By Insure.com's Editor | Updated on August 21, 2023 Why you should trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. No, you don’t need to own a car to qualify for insurance on a license. This type of insurance is designed specifically for drivers who don’t have their vehicles but still drive occasionally. It offers liability coverage to protect you from financial responsibility if you cause injuries or damages while driving these vehicles. Benefits of insurance on a license Cost-effective option – If you’re a non-car owner, traditional car insurance might not be necessary. Insurance on a license provides a cost-effective way to maintain liability coverage without the added expense of insuring a vehicle you don’t possess. Flexibility for borrowers – Whether borrowing a friend’s car for a road trip or using a car-sharing service for a weekend adventure, insurance on a license ensures you’re covered in unexpected mishaps. Suitable for various scenarios – Whether you’re between cars, exploring alternatives to car ownership, or simply driving sporadically, insurance on a license offers a tailored solution that prioritizes liability protection over vehicle ownership. Conclusion Owning a car isn’t a requirement for insurance on a license. This type of coverage is designed to cover non-car owners who still need liability protection while driving rented vehicles. It’s a convenient and cost-effective option to ensure you’re covered without the burden of full car insurance. In case you missed it Best Car Insurance Companies of 2023 Car insurance rates by state: The most expensive and cheapest states for car ins... What is Full Coverage Car Insurance? A complete guide to car insurance costs for seniors A complete guide to adding a teenager to your car insurance policy What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? Buying and insuring a used car: Most and least expensive models to insure in 202... The Best Car Insurance for Bad Credit of 2021 The best car insurance companies for speeding tickets Car insurance after a DUI Guide to Car Insurance Discounts Proper insurance coverage for college-bound children How to read (and actually understand!) your auto insurance policy Car Insurance Companies New driver insurance grace period: What you need to know How much do insurance agents make Autonomous cars: 5 delightful and 5 distressing things Busted! Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 Get instant quotes now ! Please enter valid zip Get Quotes