Can someone get insurance on a car they don't own?

Generally, you cannot buy a standard physical damage auto policy for a car you do not own because insurance companies require an insurable interest—a legal or financial stake in the vehicle.

However, you can get coverage for driving a car you do not own through alternative methods. You can learn more about how Non-Owner Car Insurance works via Progressive or check details on Allstate.

How to Handle Insurance When You Don't Own the Car

• Be added to the owner's policy: If you live in the same household or regularly drive the vehicle, the owner can add you as a named driver on their policy.
• Get a non-owner policy: If you borrow or rent cars frequently but do not own one, a non-owner car insurance policy provides liability coverage for bodily injury and property damage you cause, but it does not cover physical damage to the car itself.
• Share ownership: You can add your name to the car’s title or registration to establish an insurable interest, allowing you to purchase a standard policy.