Does your car insurance and registration have to be under the same name?

March 3, 2017 · Posted in FAQ 
car insurance
Melissa B asked:

My mother is who my car is registered to, but its my name on the insurance? Will I run into problems with this?

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6 Responses to “Does your car insurance and registration have to be under the same name?”

  1. Ming on April 2nd, 2009 10:22 am

    I believe the only thing you have to be sure if is being insured for the vehicle you will be driving.

  2. mtong2004 on April 5th, 2009 9:00 am

    Depending on what state you live in. In California, the insurance and the registration can be two different people.

  3. David L on April 6th, 2009 1:06 pm

    Yes. The car you drive has to be insured in the name of the owner.

  4. Gambit on April 7th, 2009 2:44 pm

    If the policyholder is not the registered owner of the vehicle the insurer does not have to pay the policyholder a penny for any physical damage claim since the policyholder suffered no actual financial loss. So unless you want to receive nothing if the vehicle is damaged cancel the current policy and start a new one with your mom as policyholder.

  5. Bernetta F on April 9th, 2009 8:10 am

    Melissa B, I recommend an online insurance quote. It’s free and generally hassle free.

    Good Luck.

  6. Amanda e on April 10th, 2009 10:56 am

    Yep, you’ll have a problem. For one, the DMV won’t be able to match the two names, and those plates will look uninsured – which in many states, will get them cancelled.

    A site I’ve used to compare quotes in the past …

    All the best to you.

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