Can you legally drive someone else's car with their permission if you don't have insurance on your own car or theirs? Yes, you can drive someone else's car with their permission without having your own insurance policy or insurance on their car. In general, the car owner's insurance policy usually comes into play and should cover you as long as you have the owner's permission to drive their car. The owner's insurance acts as the primary coverage, and the driver's insurance acts as the secondary coverage. However, if the car owner doesn't have insurance, both the owner and the driver may be personally responsible for any damages or accidents. It's important to note that the laws regarding car insurance vary by state, so it's essential to familiarize yourself with the specific regulations in your area.