Do I need to get car insurance if I don't own a car?


Yes, you may need car insurance even if you don't own a car.

This is when you make use of rental cars or borrow a friend's car from time to time.  You will need to get a non-owner car insurance policy that covers you, the driver, regardless of what car you drive.

It's easy to get a non-owner car insurance policy - you can buy one from any company that sells car insurance.

When you get the coverage, you will need to buy, at the very least, the minimum requirements set by the state. If you have assets worth more than the minimum, you may want to consider getting enough insurance to cover that in case you are made liable for a major accident, where complainants can potentially go after your assets.

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