Do I need to own a car to qualify for insurance on a license?

Why you can trust Insure.com

Quality Verified

At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

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.