Can I Insure a Car Not in My Name? Car Insurance in 2022

car insurance

Car insurance is an essential part of a person if he/she has a car. 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.

When it comes to car insurance, legal ownership isn’t about who paid for the car. The owner of the car is on the registration and title of the car. A standard auto insurance policy is only written in the name of the person who has legal ownership of the car. Insurance companies view this ownership as insurable interest, which is a motivating factor in keeping the vehicle in good condition.

Adding a car to your insurance policy if it’s not in your name

So, when can you insure a vehicle that is not in your name? After all, it’s not a very common scenario. Some reasons why you might be inquiring about getting insurance on a vehicle you don’t own include:

  • You’d like to add the vehicle owner’s name to your existing policy.
  • You have a financial stake or insurable interest in the car.
  • You’re related to and/or live in the same household as the vehicle owner.
  • Someone is moving in with you, and you may share the vehicle.

In some of these scenarios, there are more feasible alternatives than trying to Insure the car you don’t own. We will get into the alternatives next.

Though most major insurers will not sell you an insurance policy on a car that is not legally yours, some major insurers, like Progressive, say they will.

“The best rule of thumb is to speak with your insurance agent about their rule on the topic,” says Penny Gusner, senior consumer analyst for Insure. “It’s much better to ask about your specific situation and get the car insured properly than to assume you can insure a car you don’t own and find out you were wrong when a claim gets denied.”

car insurance

How to insure a car you don’t own

Insuring a car other than your own can be difficult, but there are a few ways that can help: 

Share same address with the car owner

If you live at the same address as a car owner, it’s easy to be added on their insurance policy. The vehicle owner just needs to contact their insurance company and tell them that they would like your name to be included to their auto insurance policy.

Adding your name to car owners auto insurance

Adding yourself to the title of a car can be difficult and expensive if you don’t own it. But to get insured you will have to show proof to the insurance company that you are dependent on this vehicle in order to get supplementary coverage from the insurer, but not all insurance companies offer these types of plans.

Adding vehicle owner to your policy

You may consider adding the vehicle owner’s name to your insurance policy. This way, you can make sure that it will be covered in case of any accidents or damage.

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