Getting Insurance as a Non-Owner Typically the person who owns a car is the person who insures it.

Can i get insurance on a car not in my name. You cannot usually get car insurance on a vehicle that is not in your name but there are exceptions. Enlisting as a Named Driver. The main problem with insuring a car that is not in your name is that you will have to show an insurable interest in the car to prove to the auto insurance company that they should give you a policy.

You can enlist yourself as a user of the car by being the named driver you can opt for a transfer of title to your name before getting insurance or the owner of the car can add you to their insurance policy. Insuring a car not in your name may be possible but it depends on the insurance companys underwriting guidelines. If you are a US.

However it can be tricky especially if you do not reside with the vehicles owner. It is possible to purchase auto insurance for a specific vehicle you do not own in some circumstances. Insurance companies and lenders typically require the cars owner or the person whose name is on the car loan to also be the car insurance policyholder.

Getting your own policy for a car thats registered to you with your name on the title is the only way youll be able to have insurance for that car. Insurance companies do not typically allow you to insure a vehicle that is not in your name. Non-owner insurance is an option for people who dont own a vehicle but want to be covered with liability coverage in case of accidents.

But it really comes down to your insurance companys underwriting guidelines. While everyone who owns a vehicle cannot drive legally without car insurance some people question whether you can get insurance on a car not registered in your name. To become a primary policyholder on a vehicle that is not yours can be very difficult.

That said there are ways around it. Insurers do this to protect themselves from insurance fraud. The answer to that question is also yes but New York is the only state that has legislated it.