How Do I Get Auto Insurance Without A Car? 
In Montana you get what is called a Non - Owned policy this is for liability only and will not repair the car that you are driving so if you are driving a friends car and wrecking it cover damage done to others but nothing for your friends car . Now in Montana also the insurance follows the car 1st so if you borrowed your friends car and got into an accident then their insurance covers it first then you insurance 2nd in many cases their insurance will collect what they paid from your insurance carrier . I have many clients that have this coverage because they ca n't afford a car . As stated by the last person that usually it is because the courts require it if you have had problems with your driving record . This is not always the case many of my clients have great driving records but own no car . 