Can someone else insure my car?

Someone else can't insure your car since auto insurance has to be in the owner's name with some exceptions. It’s considered insurance fraud to insure your car under someone else’s name to get lower auto insurance rates. However, you can get a non-owner policy if you are going to borrow a car for a short time.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 15, 2021

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A Concise Overview

  • Only the owner of the car can insure it
  • Having someone else insure your car is insurance fraud
  • You can get non-owner insurance if you are just borrowing a car for a short amount of time

Can someone else insure my car? The answer is not really. Although there are times you can get non-owner car insurance, it is generally considered insurance fraud to have someone else insure your vehicle.

If you’re looking for a way to lower your rates, you can shop around for affordable car insurance instead of putting insurance in someone else’s name.

Just enter your ZIP code now to get auto insurance quotes to lower your rates instead of having someone else insure your car.

Can someone insure a car they don’t own?

In order to carry auto insurance on a vehicle, you have to show that you have an insurable interest. That means that if something happened to the car, it would financially impact you.

Although some car insurance companies will allow you to insure a car without insurable interest, it is extremely hard to find a company that will take that risk.

There might times when it’s tempting to have someone else insure your car. For example, let’s say you have a lot of tickets and accidents, and your insurance company is making you get high-risk auto insurance.

High-risk car insurance is extremely expensive. While putting your insurance in another driver’s name might save you money, it is technically insurance fraud.

According to the Insurance Information Institute, insurance fraud costs about $40 billion a year and is anything that is a deception against an insurance company for financial gain.

Can someone else insure my financed car? The answer is the same, whether you have an auto loan or own your car outright.

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What are alternatives to someone else insuring your car?

If you are trying to lower your car insurance rates, there are other ways to go about it.

Here are a few ways you can get someone else to insure your car legally:

  • Have the other person listed as a co-owner on your title. That way the person can legally insure the vehicle. The other person can be listed as the primary on the car insurance policy and list you as a driver. This can help lower your auto insurance rates if your driving record is less than stellar.
  • If the other driver is going to be borrowing your car, have them get a non-owner policy. This will allow them to carry auto insurance coverage on your car if they are going to be using it for a short time. That way the other driver is covered, and you don’t have to add them as a driver on your policy.

If you are considering having someone else insure your car, look for other ways to save on your car insurance. Add any available discounts to your policy, raise your deductible, lower your coverage, and look for better deals.

Shop around for cheaper car insurance to get the best deals. Don’t have someone else insure your car, enter your ZIP code now for auto insurance quotes.

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