Generally, whoever is the titled owner of a car needs to be the one to insure it. Car insurance companies want to make sure the primary policyholder has what’s called insurable interest in the car they’re insuring.
Insurable interest essentially means you have a reason to insure a car. If you’re the car’s owner, the reason is self-evident: The car is your investment, so you have a stake in keeping it from being damaged or destroyed.
But it’s harder to prove your insurable interest if you don’t actually own a vehicle. When you’re trying to insure a vehicle you don’t own, car insurance companies will be wary of fraud, and be far less likely to allow you to take out a policy. But, while getting car insurance for a car that you don’t own is rare, that doesn’t mean you don’t have options.
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Can I insure a vehicle not in my name?
It's possible (but not likely) that you'll be able to insure a car that's not in your name. That's because insurance companies want you to prove you have insurable interest in the car.
If you can’t prove you have a financial stake in the vehicle, it’s unlikely that you will be able to find an auto insurance company willing to cover you.
But there are some ways to successfully insure a car you don't own if you have reason to do so. Maybe your family member technically owns the car but you agreed to pay for car insurance so you can use it, or you gifted a car to your newly-licensed teen but you want to add it to your car insurance policy.
How to get car insurance for a car that's not in your name
Barring exceptional cases, it will not be possible for you to insure a car you don’t own. However, you may have a few alternative options.
1. Co-title the car
Co-titling a vehicle means you’re adding an additional owner to a car. Each state’s Department of Motor Vehicles (or equivalent department) has specific requirements for doing this, but in order to add an owner to a car, you’ll likely need to jointly apply for a new title.
This usually involves filling out a form with the names and information of both drivers who will be listed on the title, paying a fee, and going to the DMV in person to sign the new title. If the car in question was purchased with a loan that hasn’t been fully paid off, then you’ll need to notify the lienholder and see if it’s possible to add an additional owner to the title.
But once you’re added to the title as a co-owner of a car, you’re free to get an insurance policy on that vehicle. As an owner, you can be the primary policyholder. But any other owner should also be listed on the car insurance policy.
2. Adding a named insured to an auto policy
If you live with someone and frequently drive their vehicle, say a roommate or family member, an insurance company may require you to be added as a named insured on their auto policy, or vice versa.
Typically, every driver in a household should be added as named insured on a policy. You may be able to add a new named insured to your policy online or over the phone.
While you may not be able to insure a car you don’t own, if you’d like to protect yourself as a driver you can look into something called non-owner car insurance. Ideal for drivers who frequently rent or borrow cars, non-owner insurance is a kind of pared-down car insurance policy.
Policygenius home and auto expert Fabio Faschi suggests that anyone trying to figure out how to insure a car they don't own should get non-owner insurance instead. "Get a non-owner’s policy, because you don’t own the car," Faschi said. "We’d want to cover you for liability, but the vehicle itself has to be insured by the owner."
Non-owner insurance often just includes liability coverage, the backbone of most insurance policies. You can sometimes add personal injury protection, which covers your own medical expenses if you cause an accident, or uninsured/underinsured motorist coverage, which covers you if you’re in an accident caused by a driver without insurance, or whose insurance won’t cover the full extent of the damage.
But non-owner insurance doesn’t include the kind of coverage that’s designed to protect your vehicle, like collision and comprehensive coverage, because there’s no vehicle to protect.
Still, if you find yourself frequently driving a car that doesn’t belong to you, getting non-owner insurance may be a more realistic option than trying to get a car insurance policy for a car that’s not in your name.