Whether you lease a vehicle or own it, you’re required to have an auto insurance policy. For an insurer, it doesn’t make much of a difference if you lease, own or as financing a car, you’ll pay the same thing. They care about the car’s make, your location and your driving record.  Just remember that when you lease a car, the dealership technically owns the vehicle, not you. Because of this, they can require you to buy greater car insurance coverage than you might otherwise choose for yourself.  You may be required to list them as an additional interest on your insurance policy. And should you make a claim, the insurance company will settle the claim with the car dealership, not you.