Compare Car Insurance Companies That Will Insure Without a Title [2021]

GEICO, State Farm, and American Family are some of the best car insurance companies that will insure without a title. Some auto insurance companies don't insure without a title for various reasons. If you bought a vehicle from a private seller, you'd need to present a title to get coverage. Shop around and compare multiple insurance companies to get the best coverage without a title.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Sep 21, 2021

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Here's What You Need to Know

  • You can get car insurance without a title for as low as $90 a month
  • A lender or dealership holds on to your title until you’ve finished paying off your vehicle
  • Some drivers need non-owner car insurance when they drive a car they don’t own

Are you searching for the best auto insurance companies that will insure without a title? Getting car insurance on a vehicle without a title is standard.

But buying affordable car insurance for a vehicle without a title is challenging. Don’t worry – we’re here to help.

Our guide explains where you can find the top car insurance companies that will insure your vehicle without a title. Also, we’ll explain what you’ll need if you don’t own the car you drive.

After you learn about car insurance companies that will insure without a title, use our free online quote tool to compare multiple insurance companies near you.

Where can I find the best car insurance companies that will insure without a title?

Most auto insurance companies provide coverage even if you don’t have a title to your vehicle. If you’re making payments on your car, you won’t have the title until you finish paying for the vehicle.

Here’s what you could pay per month from the top car insurance companies in the United States.

  • Allstate – $318/month
  • American Family – $224/month
  • Farmers – $288/month
  • GEICO – $179/month
  • Liberty Mutual – $398/month
  • Nationwide – $229/month
  • Progressive – $283/month
  • State Farm – $235/month
  • Travelers – $287/month
  • National Average – $260/month

GEICO is the cheapest insurance company on the list. But more affordable rates aren’t always better. Shop around until you find a policy that works for you.

According to the National Association of Insurance Commissioners (NAIC), the average cost of full coverage auto insurance is $90 per month. But that changes when you get a quote from a company.

What about car insurance companies that won’t insure without a title? Continue reading to learn more.

Are there car insurance companies that don’t insure without a title?

The answer is yes. If you’re not making payments and have possession of a vehicle, you’ll need a title to insure the car.

Without a title or proof that you’re making payments on a vehicle, the car insurance company may not insure your vehicle.

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How can I get car insurance before receiving an official title?

You won’t have to give the auto insurance company an official title as you finance your car.

If you don’t own the vehicle you drive, the owner and primary policyholder of the car must add you to their policy as a driver.

Drivers who can’t be added to another person’s policy will need non-owner car insurance.

Can I buy car insurance if I’m not the owner of the vehicle?

Non-owner auto insurance doesn’t require a title, but it’s connected to high-risk drivers. Therefore, your rates could increase up to 90%.

Does your car insurance and registration have to be under the same name? Find out more.

Do you have to be the registered owner of a vehicle to insure it?

The short answer is yes. The name on the car insurance policy must match the registration on the vehicle.

If another driver is going to be the primary driver, you’ll have to add them to your car insurance policy as a driver.

Should I update my car insurance information after I have the title?

Yes, you should. As the official owner, you should alert the auto insurance company that you are the car’s sole owner.

If you’re a non-owner but still drive the car, the owner can sell you the title for one dollar, but you’ll need to let your local DMV know that the title and ownership have changed hands.

You can switch your registration, but you’ll have to update your car insurance information. And the new owner of the vehicle may have to purchase a policy.

Can I switch to liability-only car insurance?

You can save money on auto insurance if you switch to liability-only insurance. Liability coverage is 51% cheaper than full coverage.

However, we recommend that you keep full coverage car insurance if you have a relatively new vehicle.

Check out our car insurance discounts article to learn how you can save money through various deals.

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

You can’t present a title if you’re still making payments, so auto insurance companies will insure your vehicle as if it were yours.

Car insurance companies want to know if your car is registered and whether you’re a licensed driver.

If you bought a car from a private seller, you’d need a title. You’ll also need to register the vehicle with your local DMV.

Now that you know more about car insurance companies that will insure without a title, enter your ZIP code in the free comparison tool below to compare multiple companies in your area.

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

Do you want to learn more about auto insurance companies that will insure without a title? Read these answers to frequently asked questions to find out more.

#1 – Do I have to be the registered owner of a car to insure it?

The short answer is yes. The registration and the car insurance information have to match.

#2 – How do I get car insurance without a vehicle?

You can have someone add you to their policy, or you can buy non-owner auto insurance.

#3 – Is it illegal to sell a car without a title?

It depends on the state. However, most states have outlawed private sellers and dealerships from selling vehicles without titles.

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