Live in NYC, but borrow/drive a car in NJ…what type of car insurance do I need and for which state do I need it for?

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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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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Feb 20, 2013

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Insurance Question from Palmyra, NJ

Asked on 02/20/2013

Live in NYC, but borrow/drive a car in NJ…what type of car insurance do I need and for which state do I need it for? Here's a scenario that will likely be a reality in my near future:I'm living in New York City with a New York state driver's license and DO NOT own a car. Occasionally, say once a month, I will visit my family in New Jersey where they have a car that I will likey drive when I'm home. Will I need NY or NJ car insurance? Would it be considered non owners car insurance?

Answer given on October 31, 2013

Auto insurance follows the car. If the car is owned by another party, and they allow you to use it, the car is insured by the owner. The car can be used in any state in the US and the insurance from NJ would be valid. However, they need to be sure there is no limitation on their policy that requires any driver be listed on the policy. This is not a standard requirement, but is on a few policies. Have them check with their agent or company.It is not required that you be added to the policy unless you become a frequent driver. That can mean different things to different insurance companies. Nothing needs to be done at this time, but if you have an accident, the insurance company may require that you be added to the insurance policy and rated for on the policy. This could increase the rates for the owner of the car, depending upon your driving record. If you do not want to be added at that time, the insurance company can exclude you from the policy.

IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and AS IS. It has not necessarily been reviewed by the management staff of nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on to represent you.

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