You can drive your parents' car without insurance, but there are limits. With permission, you can drive your parents' car without insurance, but there are limits. Typically, the primary auto policy that kicks in after an accident is the policy on the vehicle. Who can drive under your insurance? Anyone who drives your car on a regular basis and resides in your household, such as a child, must be listed on your auto insurance. You do not need your own car insurance policy to drive someone else's car every once in a while. However, if you frequently drive someone else's car, you might want to consider getting non-owner car insurance.
It's important to note that if you live with your parents and drive their car, you can stay on your parents' car insurance policy as long as you're part of their household. However, if you move out or get married, you may need to get your own insurance policy. It's always best to check with your insurance provider to see what options are available to you.