Can I Insure Someone Else's Car?
You might be able to insure somebody else’s car if you can get it co-titled, take out a non-owner policy, or convince a carrier that you need the vehicle.
Written by Jacoba Bood
Reviewed by Kathleen Flear
Table of Contents
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. And if you want cheap car insurance quotes fast, you can go to Jerry for that, too.Read on to learn more about whether or not you can insure someone else's car, and how to insure someone else’s car.
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Can you insure a car you don’t own?
Yes, you can insure a car you don't own. If you can prove that you have insurable interests to the insurance company, you can insure the vehicle, even if it's not technically yours. 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.
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.
MORE: Why is there a car I don't recognize coming back in my car insurance quotes?
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
As 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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