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Question

Can I insure a car that is being financed by someone else?

The car is owned by one of my relatives and they only have 4 months left to pay off the car. I will only be driving the vehicle from home to work and school.

Dec 29, 2016 Riverside, CA

Answer
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Ava Lynch

Insurance Analyst

Credentials
  • 7+ years of Experience in the Insurance Industry

Ava joined The Zebra as a writer and licensed insurance agent in 2016. She now works as a senior insurance contributor, providing insights and data a…

Insuring a car you don't own can be tricky. If you're lucky, you should be able to insure the vehicle under your own policy without any issue from your insurance company. However, not every carrier offers this type of policy (called a non-owners policy) so you may need to do some research on what your current company offers. When you can, reach out to them and explain the situation and hopefully they'll be able to simply get the vehicle added to your policy.

Another option would be to get added as a driver to your relative's insurance policy, but that would only apply if you live in the same household. Hope this helps.

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