Yes, you can buy gap insurance by itself, but your options depend on how you define "by itself." While most drivers add gap coverage as an endorsement to their existing auto policy, you can also purchase it as a standalone product from specialized companies, dealerships, or lenders. Where to Buy Standalone Gap Insurance
If you want a policy that is not attached to your primary car insurance, you have three main avenues: Understanding "GAP" Insurance and When You Might Need It can i buy gap insurance by itself