Can you get car insurance on a vehicle you don't own in Ohio?

My parents own the car I drive. I want to insure it on my own policy. Is this allowed?

Answer
“The answer is most likely no. Most insurance companies require “”insurable interest”” on a vehicle to cover it. This means that you must have some ownership in the vehicle.
Car insurance carriers also typically require that the registered owner of the vehicle be listed as the named insured on a policy, and any other drivers be listed as additional drivers.
If you do ever get into an accident or need to file a claim, insurance companies can deny your coverage as you are not the registered owner.
You could get a non-owner car insurance policy. This would give you coverage while driving a vehicle owned by someone else.
You could also have the title transferred to your name, which would allow you to register the vehicle and claim ownership.
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Emily Maracle
Answered on Apr 21, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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