Can you purchase car insurance with no car?

Answer 1

Non Owners Insurance

Yes, You can, It's called a Non Owners Insurance policy, also known as an Operators Policy, as opposed to a traditional Owners Policy.

In the United States, a Non Owners Auto Insurance Policy is legal in all 50 states. You may have to shop around though as the larger insurers that you may be familiar with tend not to offer non owners coverage. Some Insurance companies prefer to do business with vehicle owners only or they just don't think tere is enough money to be made from Non Owners.

There are many people around the United States who do not own a vehicle but do hold a drivers license and occasionally drive a borrowed or loaned vehicle.

A non Owners Insurance Policy can provide that extra level of security as well as ensure that you are in compliance with your state law by having the appropriate coverage when operating a motor vehicle on public roads.

Other Input

Yes, but why? You would not be able to tag the car, register it, inspect it, and you couldn't even drive it home.

Because of the limitations involved, some dealers may not sell to you without proof of insurance.

Some companies in the UK at least, will insure a driver as opposed to a vehicle. Drivers that deliver cars for instance, have this type of insurance. In this case you are also issued with a special set of temporary number plates.

Actually "car insurance" has little to do with the car except for the liability to a lien holder if financed. The insurance is based on the driver's record and driving history. Some states do allow a person to purchase a liability policy when operating someone else's vehicle. Truck Driver's have to have commercial insurance for certain types of vehicles and heavy equipment. You may want to check with you local DMV to check the rules and regulations or even contact an insurance agent that carries auto insurance.

In regards to the first answer , the actually physical owner of a vehicle does not have to be the insured driver. The fist car I owned (1964 1/2 Mustang==Thanks Mom) was owned by my Mom. She did not drive. I insured the car and registered the car. All I had to prove was that the car was insured for liability and collision.