Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Oct 11, 2021

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Key Takeaways

  • Obtaining car insurance coverage does require you to possess a vehicle title
  • You can buy a non-owner policy and add the owner to the policy
  • To get car insurance, you must have some kind of insurable interest in the vehicle
  • If your car is being financed or leased the title holder will be the lender

There are a number of reasons someone may want to find a car insurance provider that will insure a vehicle for them without a title.

One of the most common scenarios is when a buyer is getting a new car and needs to prove they have insurance to complete the purchase.

Car insurance companies are usually happy to accommodate requests like this. Many dealerships ask new car owners to provide proof of insurance before finalizing the sale or lease of a car.

There are other reasons someone who doesn’t have a title may need insurance. Read this guide to find out the ins and outs of this type of insurance and the best company for insuring without a title.

Find car insurance rates from companies that will insure without a title car now. All you need to do is enter your ZIP code into our free tool and you’ll get quotes from top companies in your area.

What companies offer cheap car insurance without a title?

Almost all car insurance companies will insure you without a title. Here are some of the top companies that offer car insurance without a title.

  • The General
  • Nationwide
  • Progressive
  • State Farm

The best way to find out which is the cheapest is to get a quote. Getting a quote also will also show you car insurance companies that don’t insure without a title so you can narrow your search.

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Can I get car insurance without a title?

Yes, there are car insurance companies that will insure without a title; car insurance providers will usually sell you a non-owner policy if you qualify. You may be wondering, do you have to be the registered owner of a vehicle to insure it? The answer is no, not at all.

One option is if you are named as a driver on the insurance policy of the person who actually owns the car. If you’re listed as a driver on a car insurance policy, you’ll be covered if you get into an accident.

If you are not driving the car in question on a regular basis, a non-owner policy may be the ideal one for you.

Non-Owner Car Insurance Policies

Maybe you drive someone else’s car regularly, or just occasionally. You may be wondering, can I get car insurance with no title?

A non-owner car insurance policy is for exactly this scenario, i.e., for those who drive but don’t own a car. It is essentially basic liability coverage. This covers any harm you cause to another vehicle or person.

The main thing an insurer asks for in all cases is that you have an insurable interest in the vehicle. To have an insurable interest means you are financially responsible for the vehicle or that you would be hurt if it was damaged in any manner.

Car Insurance Companies That Will Insure Without A Title: The Bottom Line

Now that you know when and how a car insurance company may insure without a title, it’s best to get a personalized quote to get the best deal for you.

Our free tool makes it easy to find out the cost of car insurance for your particular situation. Enter your ZIP code to get an idea of car insurance quotes from companies that will insure without a title.

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Frequently Asked Questions: Car Insurance Companies That Will Insure Without A Title

Below is a common question about car insurance companies that will insure without a title.

#1 – Can I get insurance if I just bought a car but don’t have the title?

You can get insured with no title but you must show proof of ownership to your insurance carrier within two weeks to one month after you’ve completed paying for the vehicle.