Auto Insurance Companies That Will Insure Without a Title (2022)

When you're looking for auto insurance companies that insure without a title, you may be surprised at the options available. Plenty of insurers will give you quotes for auto insurance companies that insure without a title. Some rates for auto insurance companies that insure without a title can be as low as $268 a month.

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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: Sep 30, 2021

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A Concise Overview

  • You can get auto insurance without a title
  • You’ll need to prove an insurable interest in the vehicle
  • If you have any red flags in your history, it may be harder to get a policy

There are likely to be plenty of auto insurance companies that will insure without a title. If you can provide an insurable interest to the insurer, you’ll likely be able to get auto insurance coverage from some different policyholders.

If you’re looking for rates from auto insurance companies that will insure without a title, enter your ZIP code into our free quote tool.

What insurance companies will insure without a title?

Can you insure a car without a title? It is possible to get an auto insurance policy without having a title on the car. You probably won’t have to pay anything extra, as long as your past driving and credit history are in check.

There are several instances when you may be leasing or renting a car, and you’ll still need to be insured. To this end, companies will provide you a policy if you can prove an insurable interest in the car.

Below are some examples of average auto insurance rates from many top insurers.

Average Auto Insurance Rates of the Top 10 Auto Insurance Companies
CompaniesAverage Annual RatesAverage Six-Month RatesAverage Monthly Rates
American Family$3,443$1,722$287
Liberty Mutual$6,096$3,048$508
State Farm$3,268$1,634$272
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Some auto insurance rates from these insurers can start as low as $268 a month for the average policyholder. Auto insurance companies that don’t insure without a title are more likely to do so to avoid the risk associated with the split use and responsibility.

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How to Buy Auto Insurance Without a Title

When you begin looking for affordable auto insurance companies that will insure without a title, you’ll need to prove you have an insurable interest in the vehicle. To get non-owner auto insurance, you’ll need to show the insurer you have a reason to get a policy on the car.

Some examples of an insurable interest in a vehicle that you don’t have a title for might be:

  • You’re leasing or financing the vehicle
  • If you inherit a vehicle, you might need time to get the title in your name
  • You sign up for a title loan with your vehicle used as collateral

There are likely many other circumstances as well, and each insurer will judge based on your situation. Some insurers may have a registration address match requirement for your insurance, depending on your state.

When Non-Owners Need Auto Insurance

If you’re going to be driving the vehicle, you’ll likely need some form of auto insurance. Even if you don’t own the vehicle, you’ll need to be insured at least for the minimum amount of coverage required in your state.

If you get caught in a car with a title in someone else’s name and no auto insurance, you may have more than a few headaches to deal with. Making sure you’re insured any time you’re behind the wheel can keep any troubles from occurring further down the road.

Getting an Auto Insurance Policy Without a Title

Can you get insurance without registration? As previously discussed, it’s very possible to get an auto insurance policy without having the car registered in your name. You’ll still have to prove an insurable interest, but if you’re driving on the road, that will serve as a pretty good reason.

How to Apply for Non-Owner Auto Insurance

While it may depend on your insurer, you’ll likely apply for non-owner auto insurance the same way you’d apply if you had the title in your name. To apply for an auto insurance policy, you’ll need:

  • Driver’s license number
  • Social Security number
  • Title owner’s information

Each insurer may do its non-owner auto insurance policies differently, but will at least request the information above. It will be important to your insurance company to be aware of any risks in your past, as well as those who may have access to the vehicle.

Tips to Lower Your Auto Insurance Rates

Since most insurance companies base their rates on the level of risk they face when insuring you, the key to getting lower rates is to lower your risk. When the auto insurance company begins the underwriting process, they’ll consider your past driving, credit, and criminal past.

If you have any red flags in those categories, the insurer will likely charge you more for rates or deny you a policy outright. According to the Insurance Information Institute (III), there are ways that you can lower your auto insurance rates. Some of those methods include:

  • Drive Safely – This means no speeding tickets or claims filed, which will show your insurer you aren’t a risky person.
  • Shop Around – The insurance business is competitive so it might be smart to see if any auto insurers are offering deals near you.
  • Improve or Maintain Credit – Making sure that you have a good credit score will also show a lack of risk.

There are other ways to lower your rates and anything you do to lower risk is likely to get you more affordable rates on your insurance.

Auto Insurance Without a Title: The Bottom Line

If you’re going to be on the road, you’re going to need some form of auto insurance. To this end, several auto insurers will give you an affordable policy without a title. As long as you don’t have any red flags, you should be able to get a policy with no issue at all.

If you’re looking for quotes from auto insurance companies that will insure without a title, enter your ZIP code into our free quote tool.

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