Can a 17-year-old get their own car insurance and title?

I'm 17 years old and my mom's buying me a car. The problem is, she doesn't have a driver's license or car insurance. Can I get my own insurance if I have my mom's permission? Also, can I get a car title in my own name, considering I'm underaged?

Answer
Yes, you can buy, title, and register a car even if you’re under the age of 18. Since people under 18 can’t enter into an insurance contract by themselves, getting a policy can be a little tricky. There are some carriers that will write a policy for your mom, even though she doesn’t have a license. And since you live in the same household as her and have an active license, you can be listed on the policy as the driver.
Each insurance company has its own guidelines and acceptable risks. In this situation, it’s best to be direct with your insurance agent so they can make sure that everyone is properly protected.
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Shannon Martin
Answered on Feb 22, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
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