Marissa Hayes is a technical editor and contributing writer. She holds a Bachelor’s Degree in history, and she was the editor of the literary magazine, The Bluestone Review.

Full Bio →

Written by

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

Full Bio →

Reviewed by Daniel Walker
Licensed Car Insurance Agent Daniel Walker

UPDATED: Nov 23, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

The Short of It

  • You can get auto insurance without a title for as low as $90 a month
  • A finance company or dealership holds on to your title until you’ve made all your payments
  • You’ll need non-owner auto insurance when you drive a vehicle you don’t own

Are you searching for the best auto insurance companies that will insure without a title? Getting car insurance on a vehicle without a title isn’t as complicated as it seems.

Our guide explores how to locate the top car insurance companies that will insure your vehicle without a title. Also, we’ll explain what you’ll need if you don’t own the car you drive.

Enter your ZIP code above to compare multiple insurance companies in your area once you learn everything about auto insurance companies that will insure without a title.

What are the best auto insurance companies that will insure without a title?

Car insurance companies offer coverage even if you don’t have a title to your vehicle. For example, a person who still makes payments on their car won’t need a title to buy auto insurance.

Also, people who finance their vehicles are required to get full coverage car insurance.

According to the National Association of Insurance Commissioners (NAIC), the average cost of full coverage auto insurance is $90 per month.

But that changes when you get an insurance quote from a company. Let’s review the average monthly rates from the best car insurance companies in the United States.

Average Monthly Auto Insurance Rates by Company
CompaniesMonthly Auto Insurance Rates
American Family$224
Liberty Mutual$398
State Farm$235
Get Your Rates Quote Now
Compare RatesStart Now →

GEICO is the most affordable car insurance company on the list. But more affordable rates aren’t always best for you. Shop around until you find a policy that works for you.

Are there auto insurance companies that don’t insure without a title?

The short answer is yes. If you’re not making payments and have ownership of a car, you’ll need a title to insure the vehicle.

Do you need a title to get insurance?

Without a car’s title or proof that you’re making payments on a vehicle, the auto insurance company may not insure your vehicle.

But if you’re making strides to get the title, a car insurance company would insure your car.

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

How can I get auto insurance before receiving an official title?

You won’t have to give the insurance company an official title as you finance your vehicle or while you’re waiting to receive a title from the DMV.

If you don’t own the car you drive, the vehicle’s owner must add you to their car insurance policy as a driver. The owner of the car must be the primary policyholder to add you.

But drivers who aren’t added to another person’s policy require non-owner car insurance.

Can I buy auto insurance if I’m not the owner of the vehicle?

Yes, you can. Non-owner car insurance doesn’t require a vehicle’s title, but it’s connected to high-risk drivers. Therefore, your auto insurance rates could increase up to 90%.

Do you have to be the registered owner of a vehicle to insure it?

The short answer is yes. The name on the car insurance policy must match the registration on the vehicle.

If another driver is going to be the primary driver, you’ll have to add them to your car insurance policy as a driver.

Can you get auto insurance without registration?

The answer is yes. Although it depends on the company, you can buy a car insurance policy without registration.

How is it possible? Let’s look at an example.

You just purchased or financed a vehicle on Saturday, but your local registration office is closed.

That means your vehicle has a temporary registration until you can get official registration. Temporary registrations (or tags) last 30 days at the very least.

Should I update my auto insurance information after I have the title?

Yes, you should alert the insurance company that you are now the official owner of the vehicle.

Switch your registration to your newly owned vehicle as soon as possible. Next, you’ll have to update your auto insurance information.

If you don’t own the car yet but still drive it, the previous owner can sell you the title for one dollar. But you’ll need to alert your local DMV that the title and ownership have changed.

Can I switch to liability-only auto insurance?

Yes, you can. You can pay up to 51% less when you switch to liability-only car insurance. However, we recommend that you keep full coverage car insurance if you have a relatively new vehicle.

Focus on qualifying for auto insurance discounts to maintain affordable rates.

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

Do auto insurance companies insure unlicensed drivers?

It’s not likely that a car insurance company provides coverage for unlicensed drivers. But some small, local-level insurance companies may provide coverage.

Drivers with a suspended license might have access to auto insurance.

For example, a person who loses their driver’s license for no insurance may be required to buy car insurance as a condition to restore their driving privileges.

How to Find Car Insurance Companies That Will Insure Without a Title

Insurance companies understand that each driver’s situation varies. You may not have a title right away.

But if you’re making payments on your vehicle, you can still get auto insurance until you finish paying off the car.

Car insurance companies are more concerned with your risk. And one of the biggest risks is attempting to insure a driver without a license or a suspended license.

Now that you know more about auto insurance companies that will insure without a title, Use our free online quote tool below to compare multiple companies near you.

Frequently Asked Questions: Auto Insurance Companies That Will Insure Without a Title

Do you want to learn more about auto insurance companies that will insure without a title? Read these answers to frequently asked questions to find out more:

#1 – Is it illegal to sell a vehicle without a title?

It depends on the state you live in. However, it’s illegal to sell a car if you’re not the legal owner.

#2 – How do I get auto insurance without a vehicle?

You can buy non-owner car insurance or have someone add you as a driver to their insurance policy.

#3 – Can I register a vehicle without a driver’s license?

The short answer is yes. The registration and the car insurance information have to match.