Does name on car registration and insurance have to match?

The name on your car registration and auto policy should match. Did you know you could add multiple persons to your auto insurance policy?

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Apr 29, 2022

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Here's what you need to know...

  • Most states require that you have the minimum of state-appropriate auto insurance
  • Identity theft is a big problem for auto insurance companies
  • Don’t let uninsured drivers operate your vehicle
  • It’s important to manage your car insurance and make sure details are in order

Depending upon your state’s auto insurance laws, you may be required to maintain state-appropriate auto insurance

Most states require that if you change a name on the insurance policy, you must simultaneously change the name appearing on your vehicle title and registration.

Some insurance companies may attempt to deny the payment of an auto insurance claim if your vehicle registration and insurance policy name do not match.

Compare auto insurance quotes from many providers with just your local zipcode and our FREE online comparison tool today! Enter your ZIP code to get started!

Are auto insurance companies concerned about identity theft?

These days, identity theft is a big problem for auto insurance companies.

While it’s possible that your auto insurance company will pay a claim in an unusual circumstance, such as when you’re driving your sister’s car and have an accident, it’s best not to assume that the auto insurance company will honor such a claim.

Ask your auto insurance agent about the particulars of your auto insurance policy. If you’re the owner of the vehicle, and your auto insurance policy is written in your name, you’re covered in the event of an auto accident (as long as your auto policy is paid and in force).

Make sure to bring your divorce documents to the Department of Motor Vehicles, along with your social security card. Your auto insurance policy should be made out to the same name as your vehicle registration.

Your auto insurance policy should be made out to the same name as your vehicle registration.

Safeguard your identity and, for safety’s sake, don’t let uninsured drivers operate your automobile. If they cause an accident while driving your personal car, the financial results could be disastrous for everyone involved!


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

In many jurisdictions, there is nothing illegal about a person insuring a vehicle in their name and they don’t actually own the vehicle. So, many states don’t require the same name (found on the insurance policy and vehicle registration) to match.

Nonetheless, several insurance companies may decline underwriting a car insurance policy on said vehicle if they don’t have the permission of its owner. This helps to prevent the car from being used in violating the policy terms.

How does one ensure a vehicle that another driver operates?

While it is certainly possible for one person to insure a vehicle in her name but not drive it, the name on the insurance policy and the vehicle registration should match.

If the driver is in a car accident, and none of the documents in the car match the driver’s personal information, the auto insurance company might deny payment of the claim.

Know your state’s laws and the terms and conditions of your auto insurance policy.

If you’ve got any questions about whether a driver of an auto insured in your name, ask your auto insurance company representative for clarification.

Are your auto insurance rates too high?

Auto insurance can be a significant expense for many individuals and families in today’s economy. Having auto insurance isn’t optional in 49 states.

If you elect to drive without auto insurance, you risk receiving a citation (regardless of whether you’re involved in an auto accident).

If you’re involved in an auto accident and don’t have auto insurance, you risk long-term, serious financial harm.

One of the ways to verify you’re paying premiums that are too high is to check your auto insurance rates.

Comparing your auto insurance doesn’t need to be difficult. Simply enter your ZIP code in the FREE box below!

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Enter your ZIP code below to view companies that have cheap auto insurance rates.

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