How do you insure a car you don't own?

My mother owns her car but is moving in with us to save some money. How can I insure her car even if I don’t own it?

Answer
It sounds like your mother is moving in for a good economic choice. It’s nice that you want to help her out with car insurance.
For the most part, insurance is purchased by the same person who owns the car. Insurance companies want to see that you have a vested interest in protecting the vehicle, and wanting to insure a car that isn’t yours is a common tactic in insurance fraud. In this case, you’re helping your mother out, so you have a clear interest in protecting her and the car.
There are some straightforward ways to insure the car, however. Since your mother is moving in with you, you can add her to your policy as an additional interest. This shouldn’t raise your rates too much.
If she owns the vehicle outright, you may be able to add your name to the title. While this requires some paperwork, it’s another way to prove a vested interest in the car.
To help you find the right policy at the best rates, shop with Jerry. Jerry will present you rates from over 50 providers in a matter of minutes. Once you make your choice, Jerry will take care of all the paperwork for you!
Lauren Smith
Answered on Nov 11, 2021
Lauren has written for World Nomads, the Matador Network, Korvia Consulting, and once upon a time Three Fates Games. She graduated from Columbia College of Chicago with a BFA in Creative Writing. After graduating, she moved overseas and lived in South Korea where she spent her free time traveling and going on road trips with friends. She misses the rest stop potatoes and is trying to figure out how to recreate them at home. She's now based outside of Chicago and when she's not writing she spends her free time reading, playing video games, and exploring whenever she can.
thumb-up

Did this answer help you?

Ask us a question by email and we will respond within a few days.
thumb-up

Have a different question?

You can meet us at our office and discuss the details of your question.
Let Jerry’s experts help you find savings on your car insurance!
No long forms or spam · Get quotes from 40+ carriers
Find insurance savings (100% Free)
rating primary
4.7/5 Rating on App Store

Easiest way to compare and buy car insurance

√
No long forms
√
No spam or unwanted phone calls
√
Quotes from top insurance companies
Find insurance savings — it's 100% free