In most situations you cannot insure a car that you do not own.

Can you insure a car that isn't in your name. In this case the insurance policy is written in the name of the owner of the vehicle and you are listed as a driver on the policy. However you can co-title a car or add someone as a named insured to your auto policy. No you cannot insure a car that is not registered under your name.

When you do this your premiums will not increase as it merely states someone elses insurable interest. You cannot usually get car insurance on a vehicle that is not in your name but there are exceptions. 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.

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. Once your name is on the vehicles title you should be able to insure the vehicle even if you do not live in the same home as the owner.

Insurers are very cautious in providing auto insurance for a vehicle you do not own as it can be a strong indicator of insurance fraud. Yes but only if you are the primary driver of the vehicle. Insurers do this to protect themselves from insurance fraud.

One alternate option is to become an additional owner of the car by co-titling the vehicle. 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. Only in rare cases do insurance companies allow you to insure a car you dont own.

By completing one simple form you can compare the. Can I own a car and be on my parents insurance. Failure to match can lead to a suspension of the registration meaning you cannot insure a car you do not own in the state of New York.