Can You Buy Insurance For A Car You Don't Own? 
I would like to add my two cents to this question , as Im not sure a couple of situations have been covered . But the question is Can I insure a car I dont own . If you own and insure a car , your own policy should extend your coverage to any car you are driving -LRB- borrowed , temporary substitute or short-term rental -RRB- as long as it is not another car you own or regularly use . In that sense , your policy then insures you driving a car you dont own . If you dont own a car but often drive cars you dont own and want to make sure you are adequately covered , you should be able to purchase a form of Drive Other Car coverage . Its common to see this coverage on business auto policies covering the business owner and family members when the business owner doesnt own a personal car but is provided vehicles by the company . Here again you are in a sense insuring a car you dont own . In my practice , I like to make sure every client has access to an automobile insuring agreement , as a named insured on a policy covering an owned car , as a spouse or family member residing in the household or some form of Drive Other Car coverage . I like to see adequate limits , comprehensive and collision and appropriate uninsured/underinsured coverage . No responsible adult should be without some form of auto insurance coverage ; as an owner , operator , passenger or pedestrian . 