Yes! Staying inside or in a car doesn't block UVA rays.

As evidenced by this guy:

http://www.nejm.org/doi/full/10.1056/NEJMicm1104059

what kind of sunscreen have u tried? i have a problem w/ sunscreens because they make me break out...im never in the sun unless its driving in a car or walking from car to store....so i sometimes think i dont need it...but i heard i do...any advice would be great

Elta MD UV Clear Broad-Spectrum SPF 46 sunscreen is excellent. Not water resistant, though.

L'Oreal Sublime Sun Advanced Sunscreen SPF 50+ Liquid Silk Sunshield For Face is a "chemical" sunscreen you can probably find at your local drugstore. This is water-resistant for up to 80 minutes.

Sunscreens made by cosmetic chemists aren't comedogenic. They have to test it before releasing it to the market--at least in the U.S.

The "breakouts" you experience may be irritant or allergic reactions to sunscreens or something else. It's possible that the acne is on it's natural cycle.

In my first week of accutane I got burnt going to the zoo on a cloudy day. I was wearing factor 30 and it was about 20 degrees celsius... does that answer the question?