Shuman Roy is an entrepreneur, business owner, and musician. He started RoysNoys, LLC in 2013 as a music production and education service company. He also offers small business consulting and advisory services to help businesses get from start-up mode to turn-key operations. Shuman earned his M.B.A from the Stern School of Business in 2001 and has an undergraduate degree from Manhattan College in ...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jul 26, 2021

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The Truth in a Nutshell

  • 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.