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Your Family Member Or Friend Is A Primary Driver Of Your Car
You’ll need to insure your friend or family member if they drive your vehicle regularly. If your friend only uses your car occasionally, you don’t have to purchase an insurance policy for your car under their name.
Always remember to explain your situation to your insurance agent before registering the insurance policy for your vehicle under a different name. If you don’t own the car, you also need to seek the consent of the vehicle’s owner. Most U.S. insurers charge higher premiums when a car’s insurance policy holder is listed under a different name than its owner.
Check this out if you need additional information, resources, or guidance on car insurance.
Can I Insure A Car Not In My Name
If you’re looking to insure a car that’s not in your name, you probably won’t be able to, but there’s a bit of nuance involved. In most cases, you’ll find yourself going through a lot of trouble if you try to insure a car in someone else’s name, according to Policygenius.
If you’re looking to insure a car that’s not in your name, you probably won’t be able to, but there’s a bit of nuance involved. In most cases, you’ll find yourself going through a lot of trouble if you try to insure a car in someone else’s name, according to Policygenius. Fortunately, there are some instances in which it’s appropriate, such as certain scenarios in which you drive a car owned by another family member. ‘Can I insure a car not in my name?’ you might ask. Learn everything you need to know about insuring a car in someone else’s name.
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Can Someone Have Auto Insurance If So What Would They Drive My Car
I’m sure most people who are asking the question, “If someone didn’t have auto insurance would they drive my car?” would probably be very familiar with the laws pertaining to driving without insurance. If you don’t know these laws you need to find out more about them. If you don’t know why these laws exist you need to find out why and then you should think about why you would want to drive without insurance.
Maybe the worst thing that could happen is that you get into a wreck and your car is totaled. Then what happens is you need to prove that you had insurance before you can get your car back. In some cases, it might be worth it to show proof of insurance. If you do not have insurance how would you be able to pay for your car repairs? I’m sure you can see where this could go bad. Nobody wants to be in an accident and not have any way of getting their car fixed.
So the answer to the original question, “would they drive my car”, really depends on the situation. If someone has another car that they drive for work and they already have insurance then maybe they wouldn’t mind driving yours. If you have a family and you are trying to protect each member of that family then maybe you would be inclined to purchase insurance. It’s just a matter of deciding what is best for you and your car.
Alternatives To Insuring A Car You Do Not Own
Depending on your circumstances, there may be some viable options to consider before going through the hassle of trying to get auto insurance for a car you do not own.
The easiest alternative would be to see if you can be added to the registration of the vehicle, or have the registration transferred over to you.
In most cases two or more names can be on the title to a car. Once you have your name on the title, you can take out an insurance policy on the vehicle even if you live at a separate address as the other title holder.
The next best option would be to get a non owner car insurance policy.
Add yourself to or transferring the registration of the vehicle
This option may not be ideal for every situation, but if it is possible, it will be the most convenient.
- You can share the registration of the car even if you do not live together.
- Being added onto a car registration can be simple or a hassle depending on which state you are from.
In Indiana for example, you have to apply for a whole new title. You will have to search your own state’s DMV and follow their rules for adding another name to a car registration. If the car in question is leased, you will need to talk to your leasing company. They may not want you to share the title of the vehicle with someone else.
The car owner adds you to their insurance policy
Non owner car insurance
A non owner policy will provide you with the proper amount of liability insurance to be able to drive around comfortably.
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State Law May Prevent It
In some states, you cant insure a car thats not in your name. The name on the vehicle registration and insurance policy must match in most states for an insurer to open a policy this serves as proof of insurable interest in the vehicle and minimizes the companys risk of insuring you. Keep in mind that you could be charged with fraud, have a claim denied and risk your future insurability if you lie during this process.
Delaware and New York are two states where the name on a cars registration and insurance policy must match. If they dont, the owner could be subject to license and vehicle registration suspension, fines and possible jail time.
Put The Driver’s Name On The Car’s Registration
If you are buying a car for a family member, you can add their name to the vehicle’s registration. Most state laws let residents enter two or more names on a vehicle’s registration. Alternatively, you can ask the car’s owner to transfer ownership of the car to you. Transfer of ownership requires the new owner to add their name to the car’s title. In some U.S. states, the law demands that new owners apply to the local department of motor vehicles to change the name on a vehicle’s registration. Other states allow residents to transfer ownership just by filing paperwork.
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Being Given A Vehicle As A Gift
Perhaps your parents or grandparents just purchased a new car and have agreed to give you their old vehicle as a gift. They may offer to keep the vehicle insured, but is that the correct way to handle the situation?
It depends on your living situation and age. If you still live in the same household as your parents and you are a minor, you may be able to keep the vehicle insured on your parents policy and add yourself as the vehicle owner.
However, if you are 18 years old, or live at a different location, you will likely need to get your own auto insurance policy. Insurance companies know that vehicle registration and insurance changes do not happen overnight, so leaving the vehicle insured on the prior owners policy for a few weeks might be acceptable. However, you should do your best to get an insurance policy on the vehicle in your name as soon as possible and then register and title the vehicle to you.
Continuous Insurance Enforcement Laws
Continuous Insurance Enforcement is everyone’s favourite motoring law.
CIE means that every car that’s on the road has to be insured all the time. If you own a car, that means you can’t get an hour’s insurance while you drive, and then leave the car uninsured until the next time you drive it.
When you’re insuring a car you don’t own, that means if you’re
Getting a full policy, your insurer might want to see evidence that the car is already insured by the owner.
A named driver, you can sit back and relax. You wouldn’t need to worry about it.
Buying temporary car insurance, the owner will need their own insurance policy once your short-term one runs out.
Using a “Driving Other Cars” policy, you’ll need to check your policy documents. Some insurers will need the car to have an underlying policy. Others won’t mind.
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States Where Your License And Car Registration Don’t Have To Match
Kids should get their own car insurance when they purchase and title their own car and no longer live at home. Although some insurance companies will let you add a vehicle not registered in your name to your policy, most will only allow cars titled in the name of the primary policyholder to be added.read full answer
If your child lives with you, its assumed they have regular access to your vehicle, and most insurers will require them to be listed on your policy. As soon as your teen driver is licensed, youll need to add them to your policy or prove to your insurer that they are either insured or permanently residing elsewhere. If you title a car in your childs name, your child will have to get their own policy. But you can still list them as a driver on your policy if they are living at home and will have access to your covered vehicles.
There is no set age at which you have to remove your child from your car insurance policy. They can remain on your policy indefinitely, as long as they live at your address and the title remains in your name. It is possible to exclude your child from your insurance policy, but that means your child has zero coverage if they get into an accident driving one of your cars. If your child has had multiple tickets, a license suspension or a DUI, your insurer may require you to exclude your child from your policy.
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Rely On Permissive Use
If youre planning to use the car occasionally, you dont need an insurance policy if the owner already insures it. Insurance policies give non-owners of vehicles permissive use, which means licensed drivers who have been given permission to use the vehicle every now and then are covered without being named on the auto insurance policy.
Can You Insure A Car If You Are Not The Owner
Generally, insuring a car that’s not registered in your name is possible. But it really comes down to your insurance company’s underwriting guidelines. That said, there are ways around it. You can co-title the car and add yourself as an owner, or you can opt for non-owner liability insurance that covers you while driving a car thats not yours.
If you have insurance and want to lower costs or if you’re looking to switch car insurance companies, then head to Credible to explore pricing and compare quotes in one spot .
Insurance companies want to feel confident that the same person who owns the car is the primary policyholder. This is called insurable interest.
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State Farm Insurance: Best For Students
State Farm, the largest auto insurance carrier in the nation, earned a score of 4.5 out of 5.0 in our research. Its known for its customer service and local agents who help customers manage their policies and answer questions about coverage.
With State Farm, you have many discount opportunities, like discounts for driving safely, getting good grades, bundling home and auto policies, and going accident-free.
Can you insure a car you dont own with State Farm? No, State Farm requires proof of ownership to insure a vehicle. However, it provides a personal mobility policy, which covers you when youre a pedestrian, passenger, or driver of a vehicle you dont own. It even covers you when youre riding a bike.
Read more in our full review of State Farm insurance.
Add Yourself As A Driver To An Owners Existing Policy
One of the best options you have is asking the original owner of the vehicle to add you as a driver to their current auto policy. This is a great option for families. When a teenager starts driving and will be using their parents or another family members car, they should be added to their policy. This solution works when each driver is living in the same household.
The exception to this rule is when college students live away from the family household in campus housing.
Adding a driver to an existing policy can even work if the owner of the vehicle is unable to drive the car for any reason and you drive the car for them. In this case, you would be the primary driver of the vehicle, even if you dont own the car. This process still works most easily when you live in the same household and you are family members.
In any case, explain your situation to the car insurance company, and its agents should be able to help you with a feasible and legal solution.
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Collision Or Upset Auto Coverage
Collision or upset coverage steps in when your vehicle is damaged in an accident caused by you. This might include another driver, or if you were to hit an object or run off the road. It can real financial lifesaver for the owner of the vehicle, especially if the car is newer or a premium make and model.
Does Your Car Insurance And Registration Have To Be Under The Same Name
As with all insurance questions, the answer may vary from state to state and depending on the insurance company. Some insurers are warier of fraud than others and may not allow a car to be insured by a non-owner.
New York requires names on the registration and insurance to match. Other states are more flexible. Regardless, the claims process will be more complex if you choose to insure a car you dont own or allow someone else to insure your vehicle. To simplify the situation, consider adding the person to your vehicles title as a co-owner and/or naming the person on your car insurance policy.
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Get Added To Another Driver’s Car Insurance
Some auto insurance companies allow customers to add other drivers to a policy. Usually, the main criteria is whether or not you live at the same address as the policyholder. If you cohabitate with the policyholder, getting on the policy isn’t usually difficult unless your own auto insurance history is poor. Once you’re listed as a driver on the car insurance policy, you’ll be able to pay the premium and file claims on it.
If you don’t live with the policyholder, you’ll probably be required to prove “insurable interest”. This means you have a vested interest in the vehicle, such as if you’d be driving it frequently for errands.
There can be exceptions to this. Getting added to another driver’s car insurance is quite common for college students who go to school away from home. Many insurers allow them to stay on a parent’s auto insurance, even though they’re not living at the same address.