Ask an Agent
Have a question? We're here to help.
Ask an agent for free
Question

Can my son insure a vehicle registered and with a loan in my name

I am giving the car to my son but keeping the registration and loan in my name. Can he insure it?

Jul 28, 2021 Stanley, NC

Answer
Author profile picture
Ava Lynch
Director of Insurance Content

Ava joined The Zebra in 2016 as a licensed insurance agent and writer. She now serves as director of insurance content, leading coverage strategy and…

Credentials
  • 9+ years of Experience in the Insurance Industry
The tricky aspect about this has to do with the loan and registration. Because the vehicle has a loan in your name, you will most likely be violating your loan contract by not having the insurance policy written for you. Moreover, because the vehicle is registered to you but not insured by you, you're in violation of your state's insurance laws. If you're wanting to pay for the loan and insurance for your son, you would need to have the registration transferred to him as well as the loan contract and simply make payments in your name. This would be dependent on the individual stipulations of the loan, of course. You can transfer registration to your son via your state DMV's department. I recommend looking at the loan policy as well as contacting your state's DMV department. Best of luck!
Ask an Agent
Have a question? We're here to help.
Ask an agent for free

Insurance is complicated, but it doesn't have to be.

The Zebra searches all of the top insurance companies, in one place, so you can compare the cost and coverage you need to protect your car, home and other property.

Step 1: Tell us a little about yourself

Choose an insurance product and enter your zip code to get started.

Step 2: Sip your coffee while we find the best quotes

Enter the necessary information and then sit back while we find quotes from 100 top insurance carriers.

Step 3: Compare your quotes

Compare quotes side-by-side to find the right match for you, whether it's home, auto, or more.

Step 4: Let our agents do the hard work for you

Once you pick your policy, our agents are here to get you over the finish line. Then just relax and enjoy your savings.

Compare insurance rates today!

Pin
Shield checkmark No junk mail. No spam calls. Free quotes.

Related Questions

Other people are also asking...

Can I insure vehicle I am driving in someone else's name?

There's a couple of things to think about here. First, your boyfriend's sister cannot and should not insure the vehicle simply because she does not drive it. Second, although you do not have a license, you should still get the vehicle insured as it is required by law in North Carolina. Thankfully, …
Aug 13, 2024 Clayton, NC

Does Hanover only sell through agents, or can I get a quote online?

Hanover works a little differently than most of the big national companies. They don’t sell policies directly online; instead, they work through independent insurance agents. Those agents can quote Hanover for you alongside other companies and help tailor your coverage, especially if you’ve got mul…
Mar 6, 2026 Raleigh, NC

How many cars can I list on my State Farm policy?

Most insurers cap policies at four vehicles, requiring a second policy for moreMost insurers, including State Farm, cap a single policy at 4 drivers and 4 vehicles. But if your household includes more—like a few teen drivers and multiple cars—don’t worry. It’s common, and there’s a simple solution.…

Good rates with Penn, but how about claims?

That’s a fair question. Most people find Penn National quick and helpful for smaller claims. Things like roof repairs or minor car damage usually get handled fast, but bigger claims can take longer. That’s pretty common with any insurer, especially when multiple estimates or inspections are involve…
Oct 23, 2025 Greenville, NC