When it comes to a car insurance policy, it makes sense that you would insure a car that is in your name. But does that have to be the case?

In this article we answer the common question many have which is “Can I insure a car not in my name?” 

One of the more common situations where this may be the case is if a parent buys a car for their teen. If the title is in the parent’s name, can the teen insure the car themselves? Or does the parent have to insure the vehicle?

That may be other scenarios where people would want to insure a car under their name. Below, you’ll find out whether you can do that and why or why not. 

So let’s get right to it… 

Can I Insure A Car Not In My Name?

The short answer to that is no; you cannot. 

Why? Because car insurance companies want to ensure that the policyholder has the “insurable interest” in the car getting insured. Insurable interest refers to the reason why you have a vehicle. 

Most of the time, you will need an insurable interest in a vehicle to purchase a car insurance policy. If you try to insure a vehicle that’s not yours or is not in your name, that’s going to raise flags with car insurance companies who are suspicious of fraud. 

Other Options To Insure A Care You Don’t Drive

But there are some ways in which you can get a vehicle insured that is not yours. 

In some cases, the person who owns the car and the one who drives it are not the same. For example, you are a college student who uses a car that your parents own. 

So how can you insure a car that’s not in your name? 

One of the ways to do it is to ask the car owner to add you to their car insurance policy. This works if you are related to the car owner or, in some cases, if you and the car owner live at the same address (ie. a roommate).   

Another option is the process known as co-titling a car. This is where you are added to the title of the car and become a part owner of it. 

You can do this even in a situation where you and the car’s owner don’t live at the same address.

Each state’s Department of Motor Vehicles has its own requirements and guidelines for the co-titling process. So make sure you know the process for your state.

Get a Non-Owner Car Insurance Policy

Another way to get your car insured is through a non-owner car insurance policy. This is beneficial for those who own vehicles that are not under their name. This type of car insurance policy is excellent for people who borrow or rent cars. 

The scope of a non-owner car insurance policy mainly covers only liability. Coverage often includes bodily injury and personal property liability. 

However, some non-owner policies include additional coverage like personal injury protection and uninsured and underinsured motorists. But what is outside the scope of a non-owner coverage are collision and comprehensive coverages. 

So that means that they do not provide coverage for repairs should there be a need for any. 

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