I don't think you have to have caiurnnse, per say. You have to have a form w/ an caiurnnse company that basically makes them notify the state if you ever miss a payment when you do have caiurnnse.In Indiana, the form is called an SR-22 or something like that. Call your local BMV or call an caiurnnse company. They can tell you about it.And you're right, caiurnnse companies insure vehicles, not people, so if you have no car, you can't purchase an automobile policy.