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How do I insure a car I got as a graduation present?

My mom bought me a brand-new car as a graduation present. The issue is the loan and title are under her name. How can I insure the car under my name?

Shannon Martin · Updated on Apr 29, 2021

Reviewed by Shannon Martin, Licensed Insurance Agent.

“That is a fantastic gift, congratulations! Don’t worry, there are ways you can get the car insured.

The most straightforward option is to have your mom add you as a driver to her insurance policy. If you both live in the same household, it will be a quick and easy update. If you live somewhere else, her insurance carrier may allow you to be listed but have the car rated at a separate location.

Another option is to start your own

policy and have your mom listed as a driver. Since her name is on the paperwork, she will have to be part of the policy.

If you’ll be shopping for your first auto insurance policy, get

. An intelligent AI-based tool like Jerry is the easiest and most effective way to find a car insurance policy customized for you. The app shops with over 40 carriers to make sure you get the best rate. “

View full answer

WHY YOU CAN TRUST JERRY

Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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