Do I need to own a car I'm purchasing insurance for?

My dad owns my car. I have to get insurance on it. Am I able to get insurance on it without being the registered owner?

Answer
“Most car insurance companies require that the registered owner be listed on the policy as the named insured. Since your dad owns your car, he would need to be the named insured and you’d have to be added as an additional driver.
If the vehicle is already insured on a policy, you could ask your dad to add you to that policy as a driver. If that’s not an option, you could look into getting a non-owners car insurance policy.
A non-owners policy provides you with coverage when you’re driving a vehicle you don’t own. Since it’s not connected to one specific vehicle, it will follow you in any car you drive, including your dad’s car.
If you decide to get non-owners car insurance, take a look at the Jerry app. You can compare dozens of rates in minutes, making it simple and convenient to purchase the policy you need.”
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Emily Maracle
Answered on Jul 30, 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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