How To Buy Auto Insurance Without A Car? 
there are 2 options , depending on the state you live in : a named operator policy or a broadform named driver policy -LRB- A third option would be a financial responsibility bond , but those are very rare . Ohio may be the only state that has it -RRB- . most states have the named operator policy , quite a few states have the broadform policy . both policies offer liability , medical payments , and uninsured motorist coverage . But neither policy offers comprehensive or collision coverage . Also , both policies will work for you if you need an SR22 or FR44 filing . 