<prompt> Human: New Californian driver here. Ive been getting by for a while without a car by using Uber and I dont think thats going to change soon. However, I still want a drivers license so that I can use it on the odd roadtrip or other incidentals where Id rent a car for a while. My issue is that the California DMV requires proof of financial responsibility which I interpret to mean car insurance.How do I do that if I dont own a car myself? Im okay paying for the rental car insurance every time I need a rental car, but I dont want to be paying car insurance for the majority of the time when I dont have a car. I think I would have a driving frequency of 14 days a year at most, so I want to do this as financially-savvy-ly as possible. My questions: Is this doable? Is that what non-owner car insurance is? Can umbrella insurance replace the need to have auto insurance? Is it typically cheaper? Do I need any insurance if the car Im driving rental or friends is already insured? Does the insurance for the car used during the DMV driving test need to be in my name? i.e. can I use a friends car and show their insurance?  <response>: You dont need to have insurance to get a drivers license. 