by 
The Curious Bag
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Part of the advantage of not owning a car is avoiding insurance costs, but even if you only drive occasionally, consider a "non-owner" policy. Non-owner policies are relatively cheap and reduce the risks of borrowing a car.
Who Buys It?
Some people buy non-owner car insurance because they sometimes drive a car, but do not actually own one, reports Insurance.com. Quite often, people opt for public transit the majority of the time, but may rent or borrow a car for special trips.
Features
Usually, a non-owner policy merely acts as supplemental insurance in case the person borrowing the car causes too much damage for the owner's policy to cover it all, reports Cars Direct.
Benefits
Because non-owners rarely drive a car, their policies cost much less than traditional auto insurance, reports Insure.com. Additionally, a borrowed car may have low coverage for damage to other property; without non-owner insurance the borrower would be liable for restitution if he gets into an accident.
Expected Cost
While non-owner policies vary in cost like regular car insurance, expect to pay from $300 to $500 per year, according to Insurance.com.
Warning
Although a non-owner policy covers rented and borrowed cars, it does not cover a car that you rent or borrow every single day, reports CarsDirect. In addition, it does not cover a car that you own.
Source:
Insurance.com; Non Owner Insurance
CarsDirect.com; What is Non-Owner's Car Insurance?
Insure.com; Car insurance for drivers who don't own vehicles
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