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

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…

Credentials
  • 7+ years of Experience in the Insurance Industry

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...

Do I qualify for USAA if my brothers are active military members?

Typically, USAA requires customers to be members of the military themselves, although eligibility also extends to the children (or spouse) of military members as well. Therefore, it's our understanding that siblings are likely not eligible to get their own policy. This applies to all branches …
Jun 10, 2020 Greenville, SC

Does a vehicle need car insurance if its in storage in New Jersey?

Every car that is registered needs to have insurance in New Jersey. Since you are not driving you can keep the state minimum liability on the vehicle. Most of the penalties would be for driving without insurance but you can not have the car registered without insurance. Unfortunately, there really …
Oct 21, 2018 Austin, TX

Can a dismissed ticket affect my insurance?

The only scenario in which a dropped or dismissed ticket would still affect you would be if there was an accident involved. If the ticket was dropped but your insurance company paid out to any party for a claim, the accident would still show up. If the ticket was dropped and a claim was not paid th…
Nov 10, 2019 Lumberton, NC

If I use my parents' house as my permanent address but live in an apartment, can I get renters insurance?

You would need to use the address of the apartment you are planning on renting. In the event of a claim, let's say a fire, your renters insurance provider will notice that the address listed on your claim doesn't match your policy paperwork. It's important to use the address where yo…
Jun 19, 2017 Lansing, MI