Can I put my auto insurance policy under my mom's name for a better rate?

I have been paying for my and my mother's insurance for the past five years. We decided to shop for a new auto policy. We noticed that if we put the policy under her name, the price goes down drastically. Can we just put it under her name? And why is it so much cheaper for her?

Answer
“If you and your mother live in the same household, then yes, the car insurance can go under her name for the savings!
There are a few reasons why the policy could be cheaper under her name:
  • She has a higher credit score
  • She has longer driving experience
  • She qualifies for senior citizen discounts
  • She drives less often
Another way to find cheap car insurance is to get car insurance quotes online.
You can use a free insurance-shopping app like Jerry. Jerry gathers affordable quotes, helps you switch plans, and even cancels your old policy for you. “
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Shannon Martin
Answered on May 06, 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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