Delaney Simchuk, Car Insurance Writer
@delaney_simchuk
No, you cannot add your friend’s car to your insurance policy in most cases. In order to insure your friend’s vehicle, you must live in a state that allows the names on a vehicle’s title and registration to be different or you must prove to your insurer that you have an insurable interest in the car.
When You Can Insure Your Friend’s Car
- Your state allows it. Some states, like New York, do not allow mismatching names on a vehicle’s registration and insurance. If you do not live in a state with this rule, you may be able to insure your friend’s car.
- You can prove “insurable interest” in the car. Insurable interest means you would suffer a loss if the vehicle were damaged or destroyed, and you can prove this by having a financial reliance on the vehicle, or by being added to the vehicle's title or registration. This helps you prove to your insurance company that you have a valid reason to insure the vehicle, although they still may not allow you to.
- You have the registration transferred to you. This is probably the easiest method if you live with the friend whose vehicle you need to insure. Most insurance companies allow you to add a non-family member to your insurance policy as a driver if you share a residence. So, even if the registration and insurance are in your name, your friend will be able to drive the vehicle.
To learn more, check out WalletHub’s guide on how to get car insurance.
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