Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Oct 27, 2021

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Key Takeaways

  • Typically, insurance sticks with the car and not the driver, so drivers are covered by whichever policy is on the vehicle
  • You can get non-owner’s insurance if you don’t have a car and occasionally borrow a vehicle
  • For commercial insurance policies, consider a Drive Other Cars add-on

Personal car insurance policies are pretty easy to understand, but what can get confusing is the coverage you need when you drive someone else’s car.

There are a lot of reasons you might find yourself in a car you don’t have a personal policy on – you need to borrow a friend’s car while yours is in the shop or you want to use your parent’s while you’re in town. Whatever the reason, you’ll still need insurance in case something bad happens.

If you’re wondering, “Can I get insurance for any car I drive?” the answer is yes – to an extent.

The amount of coverage you have in a car you don’t own depends on individual policies and state auto insurance laws. However, there are some general guidelines you can follow to make sure you’re legally covered in any car you drive.

You can find car insurance companies that cover any car you drive with a little shopping around. If you’re ready to look at quotes, enter your ZIP code in our free tool to get started.

Car Insurance Companies That Cover Any Car You Drive

A common question that stumps people about car insurance is if a policy sticks with the driver or the car. With 6 million car accidents occurring per year, this is a valid concern for anyone who occasionally uses a car that’s not theirs.

Many factors go into the answer, but insurance policies usually stick with the vehicle. For the most part, you’re covered under your friend’s insurance when you borrow their car.

Of course, insurance companies have to protect themselves, so there are a few things a claim review will look at if you have to file a claim:

  • Do you have permission from the owner?
  • What are local regulations?
  • How often do you use the car?
  • What coverage does the owner have?

First and foremost, you have to have the owner’s permission before you can drive a car. So, if you take the car without asking and crash it, you’re likely to be stuck with the bill.

As long as the owner gave you permission (or it’s reasonable to assume you’d have permission), you’re probably covered.

You also need to follow state law. For example, Arizona state law says that a person occasionally driving your car is protected by your insurance. If they drive your vehicle at least once a month, you should list them as a driver in your policy.

The amount of time you spend in the car is important in every state. If you’re worried about how often you drive a car, you can check with the company providing the insurance.

Of course, you should always make sure the owner of the car meets local insurance requirements. If you’re pulled over or involved in an accident without proof of insurance, it won’t matter that it’s your friend’s car. As the driver, you’ll be held responsible.

When you drive someone else’s car, their insurance usually only extends liability to you. It’s not always true, but more often than not, you can’t claim comprehensive or collision coverage. A policy you own can act as secondary insurance in case the owner’s policy maxes out.

Rates for Car Insurance Companies That Cover Any Car You Drive

While you might guess it’s not affordable, car insurance companies that cover any car you drive usually offer reasonable rates.

Most companies cover other drivers in your car, though you should always ask your agent if you’re concerned. Rates vary by many factors, such as age, location, driving history, and your car, but you can look at average rates across the country to get an idea of where to start.

Average Rates, Discounts, and Availability by Provider
ProviderAverage Annual RatesNumber of Available DiscountsAvailability
Allstate$4,532.962950 + DC
Farmers$3,698.773450 + DC
GEICO$3,073.663150 + DC
Nationwide$3,187.203546 + DC
Progressive$3,935.363650 + DC
State Farm$2,731.481950 + DC
USAA$2,489.492850 + DC
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Clearly, quotes from car insurance companies that cover any car you drive go up depending on what you choose.

For the most part, you won’t find insurance companies that flat out refuse to extend coverage to whoever is driving the vehicle. When insurance companies do refuse a claim, it’s likely because of specific circumstances.

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What is non-owner car insurance?

Non-owner insurance is coverage you can purchase that protects you when you drive vehicles you don’t own. It’s also a good option if you need to prove you need insurance.

If you don’t own a car, non-owner is an affordable option for insurance that covers any car you drive, especially because it typically costs 5% to 15% less than a personal policy.

Companies usually offer liability only for non-owners, though you can purchase more than your state’s minimum. You may also be able to add additional coverage to your plan, such as injury prevention, medical payments, and uninsured/underinsured motorist protection.

Unfortunately, comprehensive and collision coverage is usually not available for non-owner insurance.

Non-owner insurance is great if you occasionally borrow a car or you rarely drive. It’s also a good idea if you frequently rent cars.

Additionally, non-owner insurance can satisfy a proof-of-insurance requirement from the DMV or for an SR-22 form. It’s also an affordable option if you don’t need better coverage temporarily — having non-owners will prevent you from having a lapse in coverage.

When Non-Owner Car Insurance Doesn’t Work

However, if you drive a car regularly (even if it’s not yours), you’ll probably need to be on the policy, at least as a listed driver. If an insurance company finds out you’ve made a claim in a car you frequently use, they might reject it.

Similarly, if you borrow a car from a household member, you should get yourself on the policy. This counts not only for family members but for roommates as well.

Non-Owner Car Insurance That Covers Any Car You Drive

While non-owner insurance can save you money, you’ll still want to shop around for the best price. Just like a personal policy, non-owner insurance rates will vary by your unique circumstances.

If you’re ready to buy, car insurance companies that cover any car you drive have plenty of options for you. You can get a general idea of which companies offer the cheapest non-owner insurance.

Average Annual Rates for Non-Owners by Provider
ProviderAverage Annual Price
Allstate$638
Farmers$521
GEICO$311
Nationwide$677
Progressive$576
State Farm$408
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This table covers some of the nation’s top providers, but there are also numerous other options available.

“Drive Other Cars” Insurance

Another option that might work for you is a Drive Other Cars add-on. This add-on used to be commonplace in comprehensive car insurance, but it’s fallen out of popularity recently. If you want to know if your current policy is eligible for this add-on, contact your agent.

Today, Drive Other Cars is more common in commercial policies. This add-on is great for people who rent cars for business travel or drive vehicles for work that they don’t own.

However, you might have this add on denied by your insurance company for several reasons:

  • You’re under 25 years old
  • You have a high-risk job
  • You get behind the wheel of a high-risk car

As you can see, companies want to minimize the risk it takes before it gives you coverage for driving in a car you don’t own. Rates for car insurance companies that cover any car you drive will always be higher if you fall in these risky groups.

It can be confusing trying to understand if you’re covered behind the wheel of every car you drive. However, you’ll be covered as long as the owner of the vehicle has insurance.

With car insurance companies that cover any car you drive, you can make sure anyone that drives your car is covered. Enter your ZIP code into our free tool to start seeing quotes today.