You are driving a friends car but your car has insurance and his car has his insurance will you be covered?

Your are insured. I just called 3 agents. Progressive, Geico, and all-state.

Again, every state is different. In Wisconsin, the insurance follows the car, so if you borrow someone's car, you are borrowing their insurance. This means that if you lend your car to someone, and they have an at-fault accident, your insurance will be primary (theirs is secondary), and it is likely your insurance rates that will be affected!