Car Insurance Does your car insurance and registration have to be under the same name? In most states, there is no legal requirement for car insurance and registration to be under the same name. View Carriers Please enter valid zip Compare top carriers in your area By Insure.com's Editor | Posted on December 1, 2023 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Most states allow insuring and registering a car under different names. But insurance companies in those states still might require the car’s registered owner to be the policyholder or primary driver. However, it’s important to note that using separate names for vehicle insurance and registration may lead to complications, such as confusion for the insurer and potential issues with filing a claim. Key Takeaways Most states don’t legally require car insurance and registration to be under the same name, but insurers might insist on the registered owner being the policyholder. Insurers require the policyholder to have an insurable interest in the vehicle, typically necessitating their name on the title or demonstrating a significant financial interest. If your car is in your name, someone else can’t get insurance on it unless they prove to the insurer that they have an insurable interest in the vehicle. Does it matter whose name is on a car title for insurance? Yes, the name on a car title can impact insurance coverage. Insurance companies usually require the policyholder to have an insurable interest in the vehicle, meaning they either own the car or have a significant financial interest in it. In many states, there isn’t a legal requirement for the names on a vehicle’s registration and insurance to match. However, an insurance company can choose not to insure an individual if their name isn’t on the vehicle’s registration. Can a car be registered in one name and insured in another? Yes, a vehicle can be registered in one name and insured in another. While it’s common for the registered owner of a vehicle to be the same as the insured party, it is possible to have them under different names. For example, a parent might register a car in their name, but the primary driver and insurance policyholder could be their child. In most states, there aren’t laws that require a car’s registration and insurance to have the same name. However, some insurance companies may not cover a vehicle that’s not registered to the same driver as the insurance policy. Can someone else insure my car if the title is under my name? No, it is not possible for someone else to insure your vehicle if the title is under your name unless they can show the insurance company that they have an insurable interest in the vehicle. Final thoughts Generally, it’s advisable for the car insurance and registration to be under the same name. Most insurance companies require the policyholder to have an insurable interest in the vehicle. However, rules and regulations may vary by location and insurance company. In case you missed it Best Car Insurance Companies of 2024 Car insurance rates by state in 2024 What is full coverage car insurance? How much does car insurance cost for seniors in 2024? A complete guide to adding a teenager to your car insurance policy in 2024 What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? Used car insurance costs: Most and least expensive models to insure The Best Car Insurance for Bad Credit of 2021 The best car insurance companies for speeding tickets Car insurance after a DUI Guide to car insurance discounts Proper insurance coverage for college-bound children How to read actually understand your auto insurance policy Car Insurance Companies New driver insurance grace period: What you need to know How much do insurance agents make Autonomous cars: 5 delightful and 5 distressing things Busted! Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Does it matter whose name is on a car title for insurance?Can a car be registered in one name and insured in another?Can someone else insure my car if the title is under my name?Final thoughts Get instant quotes now ! Please enter valid zip Get Quotes