How can you insure a car that's not in your name?

My aunt is giving me her old car. She's still the registered owner, but she said I'm able to insure and drive it. How can I get car insurance on her car?

Answer
That’s an awfully nice gesture from your aunt and you luck out with a new car! Brilliant!
In response to your question, the car insurance policy would need to be in your aunt’s name since she is the registered owner of the car. If she’s the registered owner, you cannot insure a car that’s in someone else’s name.
Most states and insurance companies require that the registered owner of the vehicle is the named insured on an insurance policy. This means that your aunt would need to have a car insurance policy in her name with you listed as an additional driver. By adding you as an additional driver, you’re covered when using the vehicle.
If your aunt doesn’t want to add you to an insurance policy, you have a few options. You could ask her to transfer the title to you as a gift. Once you have proof of ownership, you could then register the vehicle and purchase insurance on it.
The other option is to get a non-owner policy. Non-owner policies are designed to cover a driver who does not own a vehicle but frequently drives them. A non-owner policy’s coverage would follow the driver to any vehicle they drive.
Regardless of whether you take control of the title or get a non-owner policy, make sure you get the best rate on your car insurance. Use the Jerry app to compare quotes in just minutes from over 50 different carriers.
Emily Maracle
Answered on Oct 19, 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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