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.

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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 Reviews.com.

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Reviewed by Daniel Walker
Licensed Car Insurance Agent

UPDATED: Jul 19, 2021

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The Short of It

  • The easiest way for someone else to insure your vehicle is to add you to their policy
  • Your financed car may require more auto insurance coverage
  • Before an auto insurance company insures your vehicle, they must determine insurable interest

Can someone else insure my car? If you can’t buy auto insurance, you’ll need someone to help you get auto insurance coverage through their policy. Under the right circumstances – yes, you can get insured if another person adds you as a driver on their policy, but if you own the car you need to be named on the policy.

Continue reading this article to learn how someone else can insure your car and how non-owner car insurance can help you get insured.

Before you find the answers to questions like “can someone else insure my car at another company?” take a look at the numbers. Enter your ZIP code in the free comparison tool above to find your answer.

Can someone else insure my car?

The short answer is yes. Teens and adult drivers can get auto insurance through another person’s policy. The primary policyholder has to add you as a driver to their auto insurance policy. Therefore, you won’t need to buy car insurance.

When someone else insures your car, they’ll need someone’s ownership over your vehicle. Why? Auto insurance companies insist that the address of the policyholder must be the same as the registration on the vehicle.

This can be complicated if you own the vehicle. You may need to transfer your title over to the primary policyholder if you want someone else to insure your car.

Can someone else insure my financed car?

The same rules apply, but you’ll need more than the minimum car insurance requirements. A financed car requires you to carry collision and comprehensive coverage in addition to liability coverage.

Also, the primary policyholder will likely be a co-signer for your financed car. A co-signer will make it easier for the person insuring your vehicle to get you on their auto insurance policy.

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How do you insure a vehicle you don’t own?

If you want to get car insurance for a vehicle you don’t own, you should buy non-owner car insurance. Non-owner auto insurance gives you liability coverage when you drive someone else’s car.

You’ll need to shop around for non-owner auto insurance quotes. However, non-owner car insurance rates are more expensive than standard car insurance.

Three Reasons Why You Should Insure a Vehicle You Don’t Own

Anyone who plans to drive will need auto insurance, even if you don’t own a vehicle. Let’s look at three reasons why you need car insurance when you don’t own a car.

  • You can avoid fines, penalties, and jail time.
  • You will remain insured to avoid expensive auto insurance rates in the future.
  • It’s required by your state to reinstate your driver’s license or vehicle registration.

If I don’t own the car, why should I get auto insurance? You may not be listed as a driver on the primary policyholder’s car insurance policy, but they trust you to drive their car.

A non-owner auto insurance policy will ensure that the other party is taken care of if you’re at fault. Higher degrees of car insurance coverage could pay for the bodily injury and property damage regardless of fault.

Common Issues with Insuring a Vehicle You Don’t Down

Some of the common issues with insuring a car you don’t own are the policy’s address and vehicle registration doesn’t match up. Also, a high-risk driver may run into higher than average rates when they want non-owner car insurance.

Can you insure someone else’s car?

The best way to insure someone else is to add them as a driver on your auto insurance policy. However, it isn’t easy to insure a car you don’t own. The other driver may have to add you as a co-owner on their title. This will allow you to add them to your auto insurance policy.

Do I need non-owner auto insurance?

That depends on your driving status. Adding a high-risk driver to your auto insurance policy can be expensive.

What’s a high-risk driver? Drivers with DUI convictions, reckless driving charges, or drivers who have too many accidents on their driving record are considered high-risk drivers.

Many high costs follow these convictions, and the high-risk driver may need a car to drive to get around. The fastest solution is non-owner car insurance.

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How to Buy Cheap Auto Insurance

The key to cheap auto insurance is comparison shopping. Whenever you get a car insurance quote, go to another company and match the prices.

According to Experian, a good credit score can save you money on car insurance rates. Let’s compare car insurance rates based on credit history below.

Average Monthly Auto Insurance Rates by Credit History
Credit History/Credit ScoreAverage Monthly Auto Insurance Rates
Good Credit Score$264
Fair Credit Score$307
Poor Credit Score$429
Get Your Rates Quote Now

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See which company has the cheaper rate or see if another company provides more coverage. You should consider the auto insurance discounts you can receive, too.

Frequently Asked Questions: Car Insurance for Someone Else

For the final section of this guide, we’ll answer a few questions that relate to someone else insuring a car for you.

Why wait on someone else to insure your car when you can enter your ZIP code in the free online quote tool below and find affordable auto insurance in your local area.

Continue reading to learn more about getting car insurance through someone else.

#1 – What is insurable interest?

Insurable interest is when you get a benefit from driving a vehicle. A car insurance company won’t insure a car with no financial loss or hardship if you lose it.

In other words, you have to prove some level of financial responsibility to have an insurable interest.

#2 – Why shouldn’t you insure someone else’s vehicle?

Transferring titles and co-signing may be more trouble than it’s worth. Save yourself from trouble and insist the other driver find auto insurance by themselves.

#3 – Do you need auto insurance to drive someone else’s vehicle?

If you casually drive someone else’s car, no. However, a person who lives in the same household should be added to the car insurance policy.

#4 – What is auto insurance fraud?

Car insurance fraud is any act committed to scheme an insurance company for money or other benefits in the insurance process. An example would be to lie about the cost of an estimate or exaggerate an injury.

#5 – Is non-owner auto insurance more expensive than standard auto insurance?

Yes. Many non-owner car insurance policies are in response to bad driving records and driving-related convictions. This classifies the driver as a high-risk.