How should I insure a car if I don't even drive it?


Editorial team Published on

To insure a car you do not drive, you must first clarify whether you own the car or are asking about driving other people's cars without owning one.

Scenario 1: You Own the Car, But You Aren't Driving It

  • Check state laws: Many states (such as California) require active auto insurance just to keep a car registered with the DMV. If you drop coverage completely, you may face fines or have to surrender your license plates first.
  • Drop collision coverage: Remove collision insurance (which pays for accidents you cause while driving), since you aren't on the road.
  • Keep comprehensive coverage: Maintain comprehensive insurance on the parked vehicle. This is usually very inexpensive and protects the car against non-driving risks like theft, fire, vandalism, or falling tree branches.
  • Check for a lienholder: If you are still financing or leasing the car, your bank or lender will almost certainly require you to keep full coverage (both collision and comprehensive) regardless of whether you drive it.
  • Inquire about low-mileage or storage rates: Ask your insurer if they offer a storage policy, a lay-up plan, or a low-mileage/pleasure use discount.

Scenario 2: You Don't Own a Car, But Want Insurance (Non-Owner Policy)

  • Get non-owner car insurance: If you don't own a car at all, you can buy a non-owner auto insurance policy.
  • What it covers: It provides liability coverage (for injuries or property damage you cause to others) when you occasionally borrow or rent a car.
  • Why people get it: It prevents a "gap in coverage" on your insurance history (which keeps future rates low) and can satisfy court-ordered financial responsibility forms like an SR-22.