You are unable to drive yourself.

Do you need insurance if you have a license but no car. Except for New Hampshire require that you have liability insurance on your cars. If you dont own a car youll still need auto insurance if you want to drive while traveling for example or want to prevent your future rates from spiking due to a lapse in coverage. The answer is NO you do not.

However some insurance companies may decline coverage. But you still want to maintain the cars title in your name while a driver takes you where you need to go. Its called non-owner insurance and its designed to give you coverage when youre driving a car you dont own.

However there are ways you might be able to work around not having liability insurance. However you might need to list yourself as an excluded driver on the policy and not every insurer will sell you a policy. To simply drive from the place of purchase to your property on public roads would require the vehicle be.

Here are some cases that might require you to have car insurance even if you dont have a drivers license. And you dont need car insurance to rent a car. As we mentioned above if you have a license but dont own a car and borrow one only occasionally you probably dont need car insurance.

Your car cant be. If you dont drive yourself around due to age or health-related issues or simply have a personal driver who takes you where you need to be then you need an auto insurance policy. You may not be the one driving the car but you still own it which means that it makes you liable for any damage caused to it.

For these circumstances and more a type of coverage called non-owner car insurance may be a good idea. When you need SR22 insurance without a car a non-owner policy is exactly what youre looking for. Can You Keep A Car Without Insurance.