Car Insurance Non Owners Minnesota MN

Reader’s Question:

I am currently 18 years old, living in Duluth, Minnesota without a job and looking to get non-owners auto insurance. I was wondering if it is at all possible to get non owners so that I am able to drive my mother’s car to do job searching? I live in the same household as her.

Chelle

Duluth, MN

 

Non-owners car insurance policies are for motorists who do not own a vehicle but be aware that typically this policy will not cover you driving other vehicles owned by family members or other members of the household in which you live. Therefore a non-owners policy would not help cover you to operate your mother’s vehicle since you still live in the residence with her in Minnesota.

If you reside in a household, even if you are not the registered owner of a car but operating it, you should be on the insurance policy for the car. So since you do live in the same household as your mother you would need to be on her auto insurance policy. Most insurance carriers require that all household licensed motorists be listed on the insurance policy. If you are not listed then you may see about being listed and if need be paying for your portion of the insurance bill, which will likely be cheaper than you purchasing your own vehicle insurance policy.