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

Does the name on the title affect car insurance rates?

Will our insurance rates go up if I title the car in my son's name? He is on my insurance policy but car is currently in my name. My son is on my auto policy but the car is titled in my name. He is 25 years old and I think its time the car be titled in his name. But I don't want my insurance rates to go up.

Jan 16, 2019 Bellmawr, NJ

Answer
Author profile picture

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…

No, your rates should not change by putting the car in your son's name if he is already listed on the policy. Who the car is registered under does not impact the rate at all. You just need to make sure all drivers are listed on the policy. Good luck and if you have any other questions, don't hesitate to ask. For more information, check out our guide regarding car insurance at 25.

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.

Icon Fill Form

Step 3: Compare your quotes

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

Icon Agent

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!

Location pin icon
No junk mail. No spam calls. Free quotes.

Related Questions

Other people are also asking...

How far back do insurance companies look?

Great question! While it can vary by carrier, most car insurance companies will charge (i.e. increase your premium) for any ticket or violation within the past 3 years. You typically won't be charged for anything that happened beyond three years ago, however, insurance companies will still pul…
Feb 20, 2018 Middletown, CT

Is car insurance mandatory in New Jersey if a person no longer uses their car to drive?

In New Jersey, you aren't required to maintain insurance coverage on a vehicle you are no longer driving, but the tags for your vehicle will need to be returned to the state. We recommend contacting your local registration office for more information about what to do with tags on an inoperabl…
Nov 18, 2016 Whippany, NJ

Will my insurance be affected by an MIP if it was dismissed?

Thanks for reaching out to The Zebra!Fortunately, a MIP (Minor in Possession) is a non-moving violation, which does not impact your insurance rates. It shouldn't make things more difficult or come into play when you get your license and want to purchase car insurance. However, when it comes to…
Jul 28, 2019 Gastonia, NC

Am I being overcharged for my insurance policy?

I'm sorry to hear about how you're being overcharged for your insurance! It is true that having an SR-22 will significantly impact your premium, but it sounds like you might be having issues getting a hold of your agent, as well. Feel free to shop around, if you'd like to look at oth…
Jul 21, 2022 Chico, CA