Do you need auto insurance when have a license but you don't own a car?

The smartest thing to do is to call some insurance companies in your area to get a complete answer to thins, as all states/provinces have different laws. To answer this question, no you don't need auto insurance if you have a license but no car. You can still drive other peoples cars as long as they have insurance and it is a rare occasion (like he had too much to drink at the bar, and your driving him home.) It cannot be part of a regular routine however, such as borrowing the car every Wednesday to drive to work. If this is the case, then you will have to have your own coverage, or be put on someone else's coverage as an occasional driver.