Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Jul 11, 2021

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Just the Basics

  • No type of car insurance policies will cover you and your car at the same time, but full coverage applies to all the cars listed on the policy
  • You need to buy different types of car insurance to make sure any car you drive has coverage
  • The types of insurance you need depend on who owns the car you drive, how often you use it, and whether you use the car commercially

You may have already asked yourself — is any car I drive covered by car insurance or does my car insurance cover any car I drive? If you are thinking about borrowing a friend’s car or using your car commercially, you need to know you have the proper insurance.

Do I have enough accident coverage?” When you do not own the car you’re driving, coverage for a car is often beyond your control. However, you may be able to purchase insurance to cover you when you use a car that you do not own in some cases.

If you want to know if your current car insurance policy covers you no matter what car you drive, talk to your agent. And if you would like to purchase a policy that follows you specifically, you need to do a little research.

Is any car I drive covered by car insurance? Before learning more, enter your ZIP code into the free quote tool above to see quotes from top companies in your area.

Is any car I drive covered by car insurance?

Does your insurance cover any car you drive?

This is like the question “Does the car insurance policy follow the car or the driver?” However, this one has a clear answer — no. In some cases, your car insurance will follow you but in others, it follows your car. Yet there is no single type of insurance that does both.

That said, you might also be wondering, “Is any car I drive covered by my car insurance company?” Ultimately, what your policy does depends on a few factors:

  • Insurance laws in your state. In some states, regular car insurance excludes vehicles like motorcycles or RVs. Also, the Insurance Information Institute reminds us that your regular car insurance might not cover your car if you use it commercially.
  • Whose car you are driving and whether it is listed on your car insurance policy or someone else’s. In some cases, if you borrow a car available for regular use, your car insurance policy or the owner’s insurance company might exclude it from coverage.
  • The type of coverage you have. With full coverage insurance, Collision and comprehensive car insurance follow your car if you list it on your policy. And if you have a multi-car policy, those are covered, too.

To learn more about what insurance types can cover any type of car, read on.

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What type of insurance covers any car you drive?

There are generally two types of insurance that will cover an eligible car you drive:

  • Liability coverage. If you are in an accident and the other driver is at fault, their liability insurance will kick in. This is the case even if the other driver only has a broad form insurance policy and forms of non-owner car insurance.
  • Rental car coverage. Your regular car insurance company may cover damages for a rental car or reimburse you for rental charges. You can also purchase rental car insurance from some car insurance companies if you are using a rental while on vacation.

Additionally, if you use your car commercially — that is, you use it for ridesharing or making deliveries, you will need to purchase extra coverage.

  • You can purchase commercial auto insurance. This offers many of the same coverage that regular car insurance offers. If you own your business, it might even cover your employees.
  • The rideshare company you work for might offer you insurance. However, this might only cover you while you are transporting patrons.
  • You can purchase rideshare insurance. Your regular car insurance company might even offer this insurance, which covers any gaps between your regular policy and your company policy.

Depending on your state, you may have plenty of options when it comes to finding insurance that covers you no matter which car you drive.

Would you like to buy car insurance that covers you or your car?

This is the question you may need to ask yourself, and you made need to buy a variety of coverages to have sufficient protection.

Ultimately, you need to be careful before purchasing a car insurance policy or borrowing someone else’s car. Consider the following tips:

  • Always talk to your agent to see if there are extra coverages you can buy with your current car insurance company.
  • Make sure you are buying the right policies to pay for damages to the car you own.
  • Make sure that the car you borrow or drive for business has coverage.

We hope we have answered the question “Is any car I drive covered by car insurance?” To find the right coverage for your situation, look at quotes from the top companies in your area by entering your ZIP code into the quote tool below.