Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Sep 30, 2021

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The Lowdown

  • Non-owner auto insurance will cover you no matter what car you drive
  • Rates are usually lower for non-owner auto insurance since you don’t drive as often
  • If you own a car, your standard auto insurance will cover you if you drive another vehicle

Auto insurance companies that cover any car you drive will vary depending on whether or not you own a car.

If you own a car, your standard auto insurance will generally cover you no matter what car you are driving. However, if you don’t own a car, non-owner insurance will cover you.

Shop around to find the best deal for your unique situation. Compare multiple companies for the most affordable auto insurance companies that cover any car you drive since each company will offer different rates.

Enter your ZIP code now to compare free quotes from auto insurance companies that cover any car you drive in your area.

What auto insurance companies cover any car that you drive?

It might surprise you to learn that you can get auto insurance without a car or even without a driver’s license.

Can I get auto insurance for any car I drive? If you own a car, your auto insurance should cover you no matter what car you are driving.

However, if you drive a car but don’t own it, you will need to buy non-owner auto insurance.

This type of insurance offers you similar coverage as a traditional policy, such as liability, medical payments, and uninsured driver coverages. However, it’s only intended for drivers who drive someone else’s car occasionally.

While rates for non-owner insurance usually range between $200-$500 a year, your rates will still be determined by common factors like your age and driving record.

For comparison, take a look at this table that shows average rates from top auto insurance companies for traditional coverage.

Average Annual Auto Insurance Rates Based on Coverage Type
CompanyAverage Annual Rates for Low CoverageAverage Annual Rates for Medium CoverageAverage Annual Rates for High Coverage
American Family$3,368.49$3,544.37$3,416.40
Liberty Mutual$5,805.75$6,058.57$6,356.04
State Farm$3,055.40$3,269.80$3,454.80

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Although traditional coverage is more expensive since it anticipates you driving often, non-owner insurance is generally cheaper since you won’t be driving very often.

Keep in mind that each company will have different rates and requirements for non-owner coverage.

For example, non-owner auto insurance from GEICO will look different that non-owner coverage from Nationwide.

How to get a auto insurance quote without a car will be different for each company also. Most insurance companies will want you to speak with someone instead of offering a quote online.

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Who needs non-owner auto insurance?

There are certain times that non-owner auto insurance makes sense. Drivers should consider non-owner auto insurance if:

  • They don’t own a car but will sometimes borrow a car from a friend or family member
  • They are required to carry SR-22 insurance because of a bad driving record
  • They rent cars often. A non-owner policy is cheaper than purchasing insurance from a rental agency
  • They use car-sharing services often
  • They are between cars and want to keep continuous auto insurance coverage

Drivers should not get a non-owner policy if:

  • They live with someone who owns a car. Their auto insurance would cover you driving the car occasionally.
  • You rarely or never drive. It would be cheaper to purchase rental auto insurance or be temporarily added to the car owner’s insurance.

There are times that non-owner auto insurance is the way to go, but carefully consider your situation.

The one thing you don’t want to do is drive without any type of auto insurance. According to the Insurance Information Institute, around 12% of drivers are uninsured.

Driving without insurance can lead to higher insurance rates, fines, driver’s license suspension, and even time in jail.

Auto Insurance Companies That Cover Any Car You Drive: The Bottom Line

It’s unusual to come across auto insurance companies that don’t cover any car you drive one way or another.

If you don’t own a car, non-owner auto insurance can make sure you are covered no matter what car you drive.

Although rates are usually lower for non-owner insurance, your personal factors are still used to determine your rates.

Shop around to find cheap auto insurance companies that cover any car you drive. Depending on how often you drive, you may find it cheaper to buy traditional auto insurance instead.

Enter your ZIP code now to compare rates from auto insurance companies that cover any car you drive near you for free.