Can my car insurance be in my parent’s name?

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Asked July 27, 2010

1 Answer


In most cases, your car insurance cannot be in your parent's name unless they own the car that you are driving. Car insurance policies are typically issued to the person who owns and/or primarily drives the vehicle. If you own the car that you are driving, you will need to purchase and maintain your own car insurance policy in your own name. Similarly, if you are financing the car, the lender may require you to have your own car insurance policy in your own name as a condition of the loan. However, if your parents own the car that you are driving, they can purchase and maintain the car insurance policy in their name. In this case, you would be listed as a secondary driver on the policy. It's important to note that if you are driving the car regularly, you should be listed as a secondary driver on the policy to ensure that you are covered in the event of an accident or other incident. It's worth noting that car insurance rates can vary significantly based on the driver's age, driving history, and other factors. If you are a young driver, you may find that it is more expensive to be listed as a secondary driver on your parent's policy than it is to purchase your own policy. In summary, if your parents own the car that you are driving, they can purchase and maintain the car insurance policy in their name and list you as a secondary driver. However, if you own the car or are financing it, you will need to purchase and maintain your own car insurance policy in your own name.

Answered July 27, 2010 by Anonymous

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