How do I put a car that’s in my mom’s name on my own insurance?

Questions
1

Hi everyone. I’m getting my first car, but it’s technically my mom’s car. She still owes some money on it.

She told me I can’t drive it until we put insurance in my name in case anything happens.

I have no idea how to do this, and my parents are unsure too.

Can someone explain how this works? By the way, I’m in Texas if that matters.

2

Usually, your parents would need to transfer the car to you to get it insured in your name. Insurance companies often require you to own the car for coverage. You could call your insurer and see what options they offer.

Also, to be added to your parents’ policy, you’d usually have to live with them. I noticed you mentioned you ‘live on their property’… Does that mean your address is the same as your parents?

3

Since they own the car, they’d still need to be on the policy unless they transfer ownership to you. You can technically buy a policy, but if you’re not the owner, you might not be able to make a claim if anything happens.

They would need to list themselves on the policy, or you could look into other options.

4

@Jessie
Thanks for the info… We’ll probably just add me to their plan if that’s the best way to go.

5

You’ll probably have to call and ask directly. If you live with them, you might be able to get your own policy but with them included.

If you don’t live with them, you might need a non-owner policy or something similar.

6

@Remy
I do live on their property.

7

Vaughn said:
@Remy
I do live on their property.

In that case, they should add you to their policy. You can pay any extra costs. Without owning the car, it’s tough to get separate insurance, and they can’t transfer it with an outstanding loan.

8

@Remy
Yeah, not ideal because their insurance is pricey. It’s a last-resort option, but I guess if we owe money on it, that’s what we’ll have to do.

Thanks for the advice. They’re hesitant to put the car in my name, but I’ll talk to them. Appreciate it.

9

@Remy
They could look into a separate policy just for this car, but since they’re legally responsible, they might want to keep higher coverage limits for protection.