How can I insure myself on someone else's car?

My mom lets me use her car, but I don't currently have insurance. How would I insure myself with her car?

Answer
If you’re looking for car insurance on someone else’s car, you have a few options.
If you’re only borrowing it occasionally and you don’t live with your mom, you typically would be covered under her car insurance. Most car insurance companies allow permissive use. This means if your mom permitted you to borrow the vehicle, her insurance would cover any accidents or damage that may occur while you’re borrowing it.
If you are using the car frequently or live with your mom, you should be listed on the car insurance policy. If the vehicle is currently insured, ask your mom to add you as an additional driver on the policy. By being listed as a driver on the policy, the insurance on the vehicle would extend to you.
If your mom doesn’t want to add you to her insurance, you could try to get a non-owner policy. This would cover you when you drive other vehicles but don’t have a vehicle of your own. Non-owner policies are a great way to protect yourself when you drive or borrow cars frequently.
The only option that likely wouldn’t be available is getting your own car insurance policy with your mom’s vehicle. As she is the registered owner, she would need to be the named insured on the policy. Most states and car insurance companies require the named insured to be the registered owner of the vehicle.
If you’re interested in a non-owner policy, use the Jerry app to compare quotes. Sign up in minutes to search rates from over 50 different car insurance providers.
Emily Maracle
Answered on Oct 20, 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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