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HomeCar Insurance ResourcesCan You Get Car Insurance If the Car is in Someone Else’s Name?

If you do not own your own car, and you occasionally drive someone else’s car, you will be covered under the vehicle owner’s car insurance. However, if you are a regular driver of someone else’s car it may be a wise idea to purchase a non-owner’s insurance policy. 

Can I Purchase Auto Insurance For A Specific Car I Don’t Own?

Audi SUV


It is possible to purchase auto insurance for a specific vehicle you do not own in some circumstances.  However, it can be tricky especially if you do not reside with the vehicle’s owner. To become a primary policyholder on a vehicle that is not yours can be very difficult. 

What Do Auto Insurance Providers Look For When Insuring Someone Else’s Vehicle?

They will want to know what your insurable interest is.

When you approach an insurance provider regarding auto insurance for a vehicle you do not own, the first thing they will want to know is what your insurable interest is in the vehicle you want to insure. When you own a vehicle your insurable interest is very clear. When you don’t own a car you are insuring, insurers will consider you a higher risk since you don’t own the vehicle and you may not make every effort to ensure the vehicle does not get damaged. 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. Typically you are required to have some ownership in a vehicle to insure it. This prevents people from insuring other owner’s vehicles and being paid off if the vehicle is damaged or written off. 

Common Scenarios Of Purchasing Auto Insurance For a Vehicle You Don’t Own

buying a car

There are several common and legitimate reasons someone would purchase auto insurance for a vehicle they do not own. One of the most common scenarios occurs when a parent or grandparent gifts an old car or grants primary use of their vehicle when they are no longer able to drive regularly. When the same address is shared this is much easier, however when separate addresses occur there are ways to make it possible.  

Can You Put Insurance on Someone Else’s Car?

Yes, you can put insurance on someone’s car.

Can I Drive Someone Else’s Car If I’m Not on Their Insurance?

Yes, you can drive someone else’s car on occasion with their insurance coverage.

Tips For Obtaining Auto Insurance On A Vehicle You Don’t Own


Obtaining auto insurance on a vehicle that you do not own can be a difficult task. However, there are some instances where insurance providers will provide this type of coverage. Some tips that may assist you in obtaining auto insurance on a vehicle you do not own may include:

  • Co-titling
  • Read both insurance providers rules and regulations thoroughly
  • Demonstrate your need for the auto insurance
  • Provide your insurance provider with honest and open information
  • Look into other insurance options


If you have the ability to add your name to the title of the vehicle, it would prove you have an insurable interest in the vehicle. It is much easier to co-title a vehicle that is paid in full as opposed to one that has an outstanding loan. 

Read Both Insurance Providers Rules and Regulations Thoroughly

As every insurance provider is different, some may grant insurance coverage if you don’t have an ownership or partial ownership of a vehicle, live with the primary owner, or have any insurable interest in the vehicle. However, there are several insurance providers that will decline insurance coverage for the above-noted reasons. 

Demonstrate Your Need For Auto Insurance

Fully explain your situation and need to your insurance provider. Some insurers may grant coverage if you cannot afford a car of your own and it’s your only form of transportation that you require on a regular basis. If you have the vehicle in your possession on a regular basis some insurers may grant auto insurance coverage for you. A good example is when university students live on campus and have possession of their parent’s vehicle. 

Provide Your Insurance Provider With Honest and Open Information

Providing your insurance company with all the particulars about your situation will help. Tell them about your driving history, financial situation, why you need to drive the vehicle, how far, and how often you will be driving the vehicle. If you present your insurance provider with untrue information or hide issues, they will not be open to providing you with your insurance needs. If you had been honest, they may have given you a chance. 

Look Into Other Insurance Options


Another option to obtain insurance on a vehicle you do not own is to purchase a non-owners auto insurance policy. This type of insurance will provide you with liability coverage to drive someone else’s vehicle. It can be used as a temporary measure until you are able to purchase the vehicle, add your name to the title, or find another insurer that will grant you the insurance you need. Remember, non-owners auto insurance does not provide you with a collision or comprehensive coverage. 

Driving A Vehicle That Is Not Registered To You

Typically auto insurance refers to a specific car that you have insured and follows the car, not the driver. When someone other than the owner of the vehicle drives the car and becomes involved in an automobile accident, the vehicle owner’s policy will typically cover the damages incurred by the accident. This is providing the driver had a valid driver’s licence and permission to drive the vehicle. Always remember the policyholder is responsible at all times for the vehicle and its use. If you lend your vehicle to someone and they are involved in an at-fault accident, your insurance premiums will more than likely increase upon renewal. 

Adding Additional Drivers To Your Auto Insurance Policy

If there is someone that drives your vehicle on a regular basis, it is important to add them as a regular but occasional driver. You will have to provide your insurer with the personal information and driving history of the person you are adding. Your insurance premium may go up for adding additional drivers to your policy. 

About the Author: Valerie D. Hahn

Valerie is an insurance editor, journalist, and business professional at RateLab. She has more than 15 years of experience in personal financial products. She strives to educate readers and ensure that they are properly protected.

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