Can I purchase car insurance if I don’t own a vehicle?

Free Insurance Quote Comparison

 Secured with SHA-256 Encryption

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

UPDATED: Mar 18, 2012

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Insurance Question from Sanford, FL

Asked on 03/18/2012

Can I purchase car insurance if I don’t own a vehicle? I don't own a car, but I plan on renting a car now and then in the future. Should I purchase my own car insurance?

Answer given on March 18, 2012

It is possible to purchase car insurance even if you don’t own a car. The policy is called a non-owned auto policy. Not every insurance company offers this, but many do, especially for people with bad driving records, since they often cannot own a car.The policy is rated based on your driving record and where you live along with other factors. You can choose the amount of liability insurance that you want.Another option is to buy insurance from the rental car company. While it is not cheap, and based on the number of days you are renting the car, you may find it cheaper than keeping a policy in force when you are not driving.There are also companies like “Zip Cars” that rent cars to members and the cost of the rental includes liability insurance. You must purchase a membership in order to use the car and you must reserve it ahead of time. However, it is another inexpensive way to get insurance when you don’t own a car.

IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and AS IS. It has not necessarily been reviewed by the management staff of nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on to represent you.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

 Secured with SHA-256 Encryption