Can an 18-year-old get auto insurance without owning the car?

Answer 1

This question is a little confusing. You specifically state "the" car, so there must be a specific car that you drive on a fairly regular basis??? Otherwise, I will answer as though you don't own any car, and you don't have a specific car that is available for your regular use.

A Bond is one method of being 'insured' while you drive "A" vehicle. They are available from numerous carriers. Not all carriers provide this; it is reserved for high risk drivers and some carriers provide no products at all for 'non standard' drivers. It doesn't insure you in any particularly car; rather, it follows the bondholder.

Another product, available in SOME states and only by SOME carriers, is a "Non Owned Auto Insurance Policy". It will provide an actual policy with policy language much like a regular auto policy, except that it will act much like the bond mentioned above. It covers the driver and not a specific automobile.