Can I get insurance coverage for a car that I don't own?
Let's say that I want to drive a car that isn't mine. If a friend gives me a car and can't change the registration, can I still insure the car?
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Answered on Apr 29, 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.
“The short answer is no, not legally.
If you are going to be the vehicle’s primary driver, you need to get the car registered under your name. Suppose you start a car insurance policy and do not tell the insurance carrier that the car is in another person’s name. In that case, the policy will most likely be canceled within the first 30 days.
Is there a reason the car cannot be re-registered? Have the plates been suspended? The registration revoked? Car stolen? If it is any of these cases, it would be in your best interest not to drive the car.
When buying a car from a private seller, the safest thing to do is to purchase it legally and put your name on the title.
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