Will car insurance cover me driving another car?
One of the most asked questions among drivers is will car insurance cover me driving another car? Your liability car insurance may cover you driving someone else's car, but it will only pay for injuries sustained by the other driver. This form of insurance is legally required in most states. However, if you don't have your own coverage, the owner's car insurance will usually cover you.
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Jeff Root
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Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...
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UPDATED: Jun 28, 2022
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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider. Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance related. We update our site regularly, and all content is reviewed by life insurance experts.
UPDATED: Jun 28, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider. Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- If you get into an accident while driving someone else’s car, you’ll normally be covered by their insurance
- Anyone with permission to operate a car is covered by the car’s insurance policy
- If you rent a car and are involved in an accident, your personal insurance policy may cover the rental
As a driver, you may find yourself behind the wheel of someone else’s car. It could be an emergency, or you may simply want to help out a friend or family member.
Whatever the circumstances, there are a few things to keep in mind. You may be wondering, in the case of an accident, am I and my car protected? Most importantly, will car insurance cover me driving another car?
You need answers to these insurance topics, and this guide will give them to you. Find out if your car insurance will cover you driving another car now.
If not, start shopping for new car insurance right here with our free comparison tool. Enter your ZIP code above to compare free car insurance quotes from the most affordable car insurance companies in your area.
Does my car insurance cover any car I drive?
Does your own car insurance cover any car you drive? Yes, your auto insurance policy will cover you no matter what car you’re driving as long as you have liability car insurance. If you’re wondering if this type of car insurance is for the car or the driver, it follows the driver.
Note though, that many factors come into play, including the type of insurance, the names on the policy, the state you live in, and whether or not you as a driver have permission to drive someone else’s car.
If a friend allows you to use their car and you get into an accident, your friend’s insurance will most likely cover the collision damages.
Liability Insurance vs. Collision and Comprehensive Insurance
Comprehensive and collision insurance have higher car insurance rates, but they may be worth it for peace of mind. The car, not the driver, is covered by both.
If you are driving someone else’s vehicle and you are mentioned on the policy, i.e., you’re a close relative or a member of the owner’s household, their car insurance will cover you.
If you are driving the car with the owner’s consent, which is known as permissive use, their insurance will also cover you.
What insurance covers any car you drive? The answer is liability insurance. Except for New Hampshire, all states require this type of coverage at a minimum, so you likely already have car insurance that will cover you driving someone else’s car.
Now that you know more about if car insurance will cover you driving another car, enter your ZIP code below to get free auto insurance quotes and buy car insurance from the top companies in your area right now.
Compare Quotes From Top Companies and Save
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance related. We update our site regularly, and all content is reviewed by life insurance experts.