Can We Get Auto Insurance Without A Car? 
I 'm not familiar with policies in California , and I 've never heard of a `` drive other car '' policy . But in most states , the answer below would not be true . For non-vehicle owners in most states , the driver would need what is called a `` named operator 's '' -LRB- aka non-owners -RRB- policy . Some states also have what is known as a `` broad formed named driver policy '' . Either of these policies will cover a driver who does n't own a vehicle . There is also another rare type of policy for non-owners called a financial responsibility bond -LRB- I believe Ohio is the only state that has financial responsibility bonds -RRB- . But contrary to the answer above : 1 . the vehicle owner 's auto insurance is the primary insurance , and the non-owners policy is secondary . 2 . these policies will not work for rental vehicles because these types of policies do not offer comprehensive and collision coverage , both of which a rental company is going to require . The only coverage these policies offer are liability , uninsured motorist and medical payments coverage . 