Hello, You do not have to have insurance if you do not own or are not driving a car. With that being said, having a lapse
in insurance will cause your rates to be higher once you do start a new policy. This is because of how insurance companies rate on how long you've been continuously insured. If you will be driving cars from time to time, you may consider a non-owners policy
. A non-owners policy will cover you to drive any car which you do not own or to which you have regular access. This type of policy is fairly affordable and will help you maintain continuous insurance coverage. Good luck and don't hesitate to ask
should another question arise.