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Yes, you can usually insure a car without a title if you can prove insurable interest. Insurable interest establishes that you have a financial stake in the vehicle and will suffer a financial loss if the car is damaged. If you cannot prove insurable interest, then you will likely be unable to insure the car.
The most common scenario that would require you to insure a car without the title is if your car is leased or financed. In that case, you can present the car’s registration to prove your insurable interest. On the other hand, if you want to insure a car that is owned by or registered to someone else, you can co-title the car, meaning that you add yourself as a co-owner in order to prove insurable interest.
Outside of proving insurable interest, your options for insuring a car are limited. Your only other avenues would be to add the vehicle owner’s name to your existing car insurance policy or request that the owner add you to their policy.
If you’re struggling to insure a specific car that you don’t own, you should consider purchasing a non-owner insurance policy. If you plan to regularly drive the car, a non-owner policy will give you enough coverage to meet your state’s minimum insurance requirements. But keep in mind that you usually can’t buy a non-owner policy if you live in the same household as someone who owns a car.
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