Saskatchewan Novelty Drivers License If you own a car, you must get insurance coverage. If you regularly drive a car that belongs to a relative or friend, you should make sure you’re listed on their car insurance plan. You can get different types of car insurance plans, including coverage for either or both: injuries to yourself and damage to your car or the costs of damages and injury to others if you’re at fault in an accident Your car insurance cost depends on the plan you choose and your: age driving record living location driving experience