Will GEICO insure a car not in my name?
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UPDATED: May 11, 2022
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- GEICO will insure a car not in your name in most states if you can prove insurable interest
- You also must live in a state where the name on your vehicle registration and insurance do not legally need to match
- GEICO also sells non-owner car insurance policies if you need auto insurance but do not own a vehicle
It’s common for people to drive vehicles they do not own. If you use your partner’s car to commute to work every day or are a college student using your parent’s vehicle, you may wonder, will GEICO insure a car not in my name?
GEICO allows you to insure a vehicle not in your name if you can prove insurable interest and if state laws do not require the name on the registration and insurance policy to match.
If you cannot prove insurable interest, GEICO also sells non-owner car insurance to people who require car insurance but do not own a vehicle.
Keep reading to learn how to purchase auto insurance from GEICO for a car you do not own, define insurable interest, see what regional laws may affect you, and discover if a non-owner policy is a good option for you.
Will GEICO insure a car not in your name?
If you use your partner’s car to drive to work every day or borrow your roommate’s vehicle regularly, you’ve probably asked yourself, can you insure a car you don’t own with GEICO?
The answer is complicated, but in most states, GEICO will allow you to insure a car not in your name if you can prove insurable interest and if regional laws do not require the name on the car registration and insurance policy to match. But what exactly is insurable interest?
Insurable interest means you have a financial stake in the vehicle. In other words, if the car gets damaged or destroyed, you’d suffer a financial loss.
It’s typically easier to prove insurable interest in a car owned by a family member, spouse, or relative.
For example, say your brother is deployed in the military but allows you to borrow his car while he’s away, and you use it to commute daily to work. If the vehicle is destroyed, you risk losing your job. This may demonstrate insurable interest.
But what states have laws requiring the name on a vehicle registration to match the name on the insurance policy?
Only New York has laws in place requiring the names on an auto insurance policy and vehicle registration to match.
So GEICO policyholders in New York cannot insure a car not registered in their name. However, policyholders in all other states must prove insurable interest in the vehicle.
There are a few other options available if you cannot prove insurable interest to GEICO’s satisfaction. The easiest option is to add your name to the vehicle registration, if possible. If not, GEICO offers non-owner car insurance policies to drivers. However, this type of coverage is very basic and may not make sense for everyone.
What is non-owner car insurance?
GEICO customers who cannot prove insurable interest in a vehicle they do not own still have the option to purchase non-owner auto insurance policies.
Sources say that GEICO non-owner car insurance costs $25.91 per month or $311 annually on average.
Unlike traditional policies, non-owner car insurance provides you with basic coverage that meets the minimum requirements in your state. In some cases, this is just liability insurance.
In other states, the coverage may also include personal injury protection (PIP) insurance, medical payments (MedPay) coverage, and uninsured or underinsured motorist protection.
You cannot request GEICO non-owner car insurance quotes online. Instead, you must call 1-800-207-7847 and connect with an agent to get rates, even if you’re a current policyholder.
Do I need non-owner car insurance?
Not every customer needs non-owner car insurance. However, for certain drivers, this coverage is ideal. For example, people who do not own a car but drive often should look into non-owner coverage.
Consider non-owner insurance if you often rent cars, use ride-sharing services, or require coverage to reinstate your license or file SR-22 or FR-44 forms. If you recently sold your car, maintaining non-owner car insurance may also prevent you from experiencing a coverage lapse.
Auto insurance coverage lapses almost always lead to a rate increase.
You should not invest in non-owner car insurance if you own the vehicle outright. In this case, you may wonder, will GEICO cover my car if someone else is driving it? It depends on regional laws. Usually, the car owner is liable if someone else gets into an accident while driving their car.
Speak with your local GEICO agent for more personalized details about your car insurance policy.
Are there alternatives to insuring a car not in your name?
Let’s say you cannot prove insurable interest in the vehicle, and a non-owner auto insurance policy from GEICO does not meet your needs. How else can you insure a car not in your name? Don’t worry. There are more options available.
If you live at the same address as the car owner, consider listing both of you on the GEICO insurance policy.
Plus, many insurance companies will make an exception if you are a college student using your parent’s car while living on campus since the college address is temporary. This is a great alternative if your parents want you to have the financial responsibility of your own auto insurance policy.
Another option is to ask the car owner to grant you permissive use through their own car insurance policy. If they have coverage, granting you permissive use extends their insurance limits to you while you use the car. However, this will impact their rates.
Why is insuring a car not in your name so complicated?
Insurance companies hesitate to let people take out policies on cars they do not own because auto insurance is a financial product. Without regulations on this type of coverage, people could take advantage of claims payouts and receive money for damages to a car they have no financial stake in. To mitigate this, insurance companies like GEICO require you to prove insurable interest in a vehicle you do not own.
Imagine purchasing collision insurance on your friend’s truck and being involved in an accident. If you file a claim, you receive a check for damages to a vehicle that does not belong to you. You technically have no right to any claim payout from the auto insurance company.
What other companies insure a car not in your name?
Car insurance companies have different policies and procedures for allowing someone to insure a car they do not own.
Places like GEICO allow it, but other companies may deny your request for coverage entirely. Speak with a company customer service representative or agent for more information about how the insurer handles vehicle ownership and coverage.
Most of the top car insurance companies, like USAA, State Farm, Progressive, Nationwide, Farmers, and Allstate, offer non-owner car insurance policies to drivers.
On average, GEICO offers the cheapest non-owner auto insurance policies. The table below compares the average annual cost of non-owner car insurance by company.
|Company||Average Annual Cost of Non-Owner Auto Insurance|
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Ultimately, your age, ZIP code, and driving record determine the price of your car insurance.
To purchase non-owner insurance, you usually must call the company directly. Some places, like Progressive, only offer this insurance to existing customers.
Will GEICO insure a car not in your name?
The good news is that GEICO will insure a car not in your name in most states. However, it depends on regional laws and your ability to prove insurable interest in the vehicle.
Proving insurable interest in a vehicle is more complicated if the owner is not your spouse, family member, or relative, but this is the case with any company, not just GEICO. Non-owner car insurance is another excellent option for drivers who need insurance but don’t own a car. Fortunately, GEICO provides the cheapest non-owner car insurance on average compared to other auto insurance companies.
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