Can I Insure Someone Else's Car?

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If you want to insure a car you don’t own, you can either convince an insurance company to let you take out a policy or take out non-owner coverage.
The insurance shopping app Jerry has put together all the information you need to know about how to get car insurance on a vehicle you don’t own.
If you want cheap car insurance quotes fast, go to Jerry.
A licensed broker that offers end-to-end support, the free Jerry app gathers affordable quotes, helps you switch plans, and even cancels your old policy for you. Of course, If you have questions about your coverage Jerry’s friendly agents are always here to help.
As your life changes, your insurance changes, and Jerry is ready to make those adjustments for you.
Read on to learn more about how to insure someone else’s car.
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Can you insure a car you don’t own?

Yes. If you can prove that you have insurable interests to the insurance company, you will be able to insure a car you don’t own. However, establishing your interest in a vehicle when your name is not on the title can be tricky.
Insurance companies might be reluctant to provide insurance to somebody who doesn’t own a car because they might not care if the vehicle ends up damaged. Likewise, fraudsters might try to insure a vehicle that doesn’t belong to them so they can cash in on the payout.
Key Takeaway It can be tricky to establish the “insurable interest” that you need to have to insure a car that doesn’t belong to you.

How to insure a car you don’t own

The following advice can help you demonstrate your trustworthiness to an insurance company when trying to insure a car that doesn’t belong to you.

Think about how to demonstrate need

If your name isn’t on the title, some insurance companies may still let you take out a policy if you can demonstrate that you need to use the car.
To do this, you will need to show that you will drive the car on a regular basis and that it is your only way to get around. Having regular custody of the car might also convince some providers.

Look into the rules

Looking into the rules will give you a better idea of what to expect. Some insurance companies will have hard-and-fast rules about insuring a car you don’t own.
When you know what carriers are likely to turn you down, you can focus on convincing providers with less stringent guidelines instead.

Get it co-titled

One of the easiest ways to get a policy on a car you don’t own is to add your name to the title. Once the car is co-titled, you should have no trouble taking out a policy. Just keep in mind that co-titling might not be possible if the car is still financed.

Be straightforward

When it comes to dealing with insurance carriers, honesty is almost always the best policy (or it will at least help you get the best policy!).
There is no need to make up a story, exaggerate, or hide information. Just explain why you would like to insure the car and provide any relevant information that will help establish your reasons.

Consider other insurance options

Non-owner car insurance admittedly comes with some limitations, but it will provide you basic insurance coverage while driving a car you don’t own.
The downside is that you won’t be able to take out full-coverage options like comprehensive insurance and collision insurance. But it is definitely better than nothing.
Key Takeaway One of the easiest ways to insure someone else’s car is to get the car co-titled. Have an honest conversation with your insurance company if you are interested in this option.

How to find cheap car insurance coverage fast

If you want to save money on car insurance, the Jerry app is an excellent place to start.
A licensed broker, Jerry does all the hard work of finding the cheapest quotes from the top name-brand insurance companies and buying new car insurance. Jerry will even cancel your old policy for you.
And to ensure you always have the lowest rate, Jerry will send you new quotes every time your policy comes up for renewal, so you’re always getting the coverage you want at the best price. This level of service is why Jerry earned a 4.6/5 rating on the App Store and made it the top insurance app in the country.
“Wow—straight to getting what I want! Where was this app all my life? Jerry is easy to navigate, and you can edit your preferences of coverage at the press of a button. Best of all, they will cancel your old insurance and set you up with the new one. Everything was seamless, and I got my confirmation letter for my new insurance the next day. Keep up the great work. I am happy to have found this app!”—Satisfied Jerry user
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FAQs

Can I insure a car that I don’t own?

It’s possible—but not always easy. Depending on your situation, you might be able to demonstrate need or get your name on the title so you can take out a policy.

Can a car be in your name but insured by someone else?

Once again, it’s totally possible. It can be tricky to convince a carrier to let you take out a policy on a car that is not yours, though. You can always consider a non-owner car insurance policy if you cannot get a regular policy.
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