How to Get Personal Auto Insurance Without a Car

Written by kirstin filliez
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How to Get Personal Auto Insurance Without a Car
Personal auto insurance without owning your own car (auto image by jasmina nemanjic from

You may be surprised to know that you do not need to own a car to qualify for auto insurance. All you really need is a driver's license and enough money for the first payment. You also may be wondering why you would pay for auto insurance if you do not own a car. There are many reasons like if you borrow a friend's car or frequently rent vehicles. Many times it is better to get your own insurance for peace of mind and less expensive pricing. Make sure you get the best personal auto insurance policy that fits your needs.

Skill level:

Things you need

  • Drivers license
  • Money

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  1. 1

    Ask for the right type of auto insurance policy. The type of personal auto insurance policy you need when you do not own a vehicle is called a NNO (non-owner policy) or broad form policy. This policy insures your drivers license to drive any vehicle. Not all insurance companies will write NNO policies so make this the first question you ask the insurance company when you call.

    How to Get Personal Auto Insurance Without a Car
    Know the right auto insurance terms (welt3 image by michanolimit from
  2. 2

    Determine your correct coverage. If you are requesting this kind of policy because you have a suspended license and need insurance to get it reinstated, minimum liability limits will usually give you sufficient coverage.

    If you are frequently renting vehicles or borrowing cars then getting better coverage would be in your best interest. Additionally, you would benefit from including comprehensive and collision coverage on your insurance policy in case you have an accident. The last thing you want to do is borrow your best friend's car then crash it and not have the money on hand to repair it.

    How to Get Personal Auto Insurance Without a Car
    Make sure you have the right coverage (Crash on the street. German auto model 2007. image by Dariusz Kopestynski from
  3. 3

    Make sure you call the best companies in the industry first. While not all top companies offer NNO auto insurance policies, it is best to try and stick with the bigger companies because they are better equipped to pay off claims quickly and will usually give better customer service. If they are unable to help you with your personal auto insurance needs then try calling an insurance broker who deals with multiple smaller insurance companies.

    How to Get Personal Auto Insurance Without a Car
    Choose the best auto insurance company (business woman at desk #16 image by Adam Borkowski from

Tips and warnings

  • Have your driver's license handy.
  • Have a fax or e-mail handy so you can receive your binder immediately.
  • Keep your proof of insurance on you at all times.

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