Will GEICO insure a car not in my name?

GEICO will insure a car not in your name as long as you can prove insurable interest and live in a state where the name on the vehicle registration and insurance policy legally do not need to match. GEICO also sells non-owner car insurance policies for people who require coverage but do not own a vehicle. Some sources suggest that non-owner car insurance policies from GEICO cost $25.91 per month or $311 annually on average.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Apr 5, 2022

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The Rundown

  • GEICO will insure a car not in your name if you live in a state where the name on your car registration and insurance policy legally do not need to match
  • You also must prove insurable interest to insure a car not in your name through GEICO
  • Non-owner car insurance policies are also available through GEICO

There are many reasons why you might regularly drive a vehicle you do not own. Someone may have gifted a car to you, or perhaps you’re borrowing it from a friend for a while. If so, you may wonder, will GEICO insure a car not in my name?

GEICO will insure a car not in your name as long as you can prove insurable interest and live in a state that does not legally require the name on a vehicle registration and car insurance policy to match.

Alternatively, GEICO sells non-owner car insurance policies for people who require coverage but do not own a vehicle.

Below, learn how to purchase auto insurance from GEICO on a vehicle you do not own, define insurable interest, read about regional laws that may impact you, and determine if you should consider a non-owner policy.

Will GEICO insure a car not in my name?

Can you insure a car you don’t own with GEICO? In most states, the short answer is yes. However, it depends on regional laws and your ability to prove insurable interest.

What is insurable interest? It means you have a financial stake in the vehicle you’re attempting to insure.

In other words, you have insurable interest if you’d experience a financial loss if the car in question was destroyed or damaged.

For a real-life example, imagine you drive a car to work every day, but it’s registered with your spouse or partner. If the vehicle were damaged, you would not be able to commute to work, potentially causing you to lose your job. This may constitute insurable interest.

It’s typically easier to insure a car not in your name if it’s owned by a family member, spouse, or another immediate relative. But if a friend or roommate owns the vehicle, you may have a more difficult time proving insurable interest.

Now that you understand insurable interest, which states require the name on a car registration to match the name on the insurance policy?

Only New York legally requires the names to match your insurance policy and car registration.

This means GEICO policyholders in New York cannot insure a car not registered to their name. In all other states, GEICO requires the person not registered to the vehicle to prove insurable interest.

If you cannot prove insurable interest, you still have a few options. If possible, simply add your name to the vehicle registration. Otherwise, you might consider purchasing a non-owner car insurance policy from GEICO, but non-owner policies typically only include basic coverage and may not be suitable for every driver.

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What is non-owner car insurance?

If you’re a GEICO policyholder who cannot prove insurable interest in the vehicle in question, you still have the option to buy a non-owner car insurance policy.

Sources suggest that non-owner car insurance from GEICO costs $25.91 per month or $311 annually on average.

Non-owner car insurance provides liability coverage for people who do not own a car but frequently drive other vehicles.

If you’re ever involved in an accident, you should have liability insurance to help pay for any damages you might cause to a third party.

Besides liability insurance, some non-owner policies also include personal injury protection (PIP) insurance, medical payments (MedPay) coverage, or uninsured or underinsured motorist coverage. This coverage will be part of your non-owner policy if those insurance types are legally required in the state where you live.

However, GEICO does not offer non-owner car insurance quotes online, even for current policyholders. You must call the company directly at 1-800-207-7847 and connect with an agent for more information.

Who needs non-owner car insurance?

Non-owner car insurance policies are ideal for certain types of drivers, but not everyone needs to invest in this type of coverage.

If you drive other vehicles often but do not own a car yourself, consider investing in non-owner auto insurance.

This includes people who rent cars regularly or who frequently use car-sharing services. In addition, some people may require this coverage to reinstate their license or file an SR-22 form if they do not own a vehicle. In Florida, it’s an FR-44 form.

Non-owner policies are also ideal for people who sell or get rid of their vehicle but want to maintain continuous coverage to prevent car insurance lapses. Car insurance lapses often lead to rate increases.

You do not need non-owner car insurance if you own the vehicle outright.

Oppositely, you may wonder, will GEICO cover my car if someone else is driving it? It depends on regional laws, but typically, yes. If someone borrows your car and gets into an accident, your insurance may pay for the damages. However, check with your local GEICO agent for more personalized details.

What are other alternatives to insuring a car not in your name?

Suppose you cannot prove insurable interest in the vehicle, and a non-owner policy from GEICO doesn’t suffice. How else can you insure a car not in your name? There are a few more things you might consider trying to secure auto insurance properly.

If you live at the same address as the vehicle owner, consider listing yourself and the car owner on the GEICO insurance policy. Frequently, insurance companies make exceptions for college students living on campus away from home.

So if you are a college student borrowing your parents’ or guardians’ car, but your parents or guardians expect you to purchase your own insurance policy, this may be a reasonable alternative.

If the vehicle owner allows you to borrow the car and has their own insurance policy, ask them to speak with their insurance company about granting you permissive use. This temporarily extends their auto insurance coverage to you while using that vehicle, but doing so may also impact their rates.

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Why is it difficult to insure a car not in your name?

Insuring a car not in your name gets complicated because car insurance is a financial product. Doing so potentially means you could receive money for damage to a vehicle you have no financial stake in.

This is why proving insurable interest in the vehicle is required by companies like GEICO.

For example, imagine taking out a policy on your friend’s car and purchasing collision insurance. If you crash a car and file a collision claim, you receive a check from an insurance company for repairs to a vehicle that belongs to another person. In this hypothetical scenario, you have no right to any claim payout from the insurance company.

Therefore, vehicle ownership matters when securing an auto insurance policy.

What other companies insure a car not in your name?

Each auto insurance company has different rules about allowing someone to insure a car not in their name.

Some places, like GEICO, allow it. Other companies might turn you away. So ask a company representative or agent for more details about the company policy regarding vehicle ownership and coverage. However, most major car insurance companies offer non-owner car insurance to drivers.

Sources suggest that Allstate, Farmers, Nationwide, Progressive, State Farm, and USAA sell non-owner insurance.

However, GEICO offers cheaper non-owner insurance rates than many other top auto insurance companies.

Compare the average annual cost of non-owner car insurance by company in the table below.

Average Annual Cost of Non-Owner Auto Insurance by Company
CompanyAverage Annual Cost of Non-Owner Auto Insurance
GEICO$311
State Farm$408
Farmers$521
Progressive$567
Allstate$638
Nationwide$677
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Overall, the cost of your coverage depends on variables like your age, ZIP code, and driving record.

You usually need to call the company directly to request non-owner coverage. Some companies, like Progressive, only sell non-owner policies to existing customers.

Will GEICO insure a car not in your name? The Bottom Line

In some scenarios, GEICO will insure a car not in your name. However, it depends on regional laws, where you live and your ability to prove insurable interest in the vehicle. It may be harder to demonstrate insurable interest if the car owner is not a relative or spouse, but this would be the case with any insurance company, not just GEICO.

GEICO also provides customers with some of the cheapest average non-owner auto insurance policies. Non-owner insurance is an excellent alternative coverage for people who need insurance but do not own a car.

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