Does Car Insurance Have To Be In Owners Name? 
When you lease a car you do not hold the title so you are not the ` owner ' of the vehicle . Your lease may require you to provide insurance on the vehicle . Your policy -LRB- in your name -RRB- names the lessor as additional insured for liability coverages and loss payee for physical damasge coverages . If an individual holds title to the vehicle and you want to insure it , you will most likely have to register the vehicle in your name -LRB- a form from the state 's DMV authorizes this -RRB- and obtain insurance to cover your registration and plates . In this instance you would also name the individual title holder as additional insured for liability and loss payee for physical damage . If they have a lienholder on the vehicle you will have to include the lienholder as first loss payee and the individual as second loss payee . Chec k with a knowledgeable agent or broker who writes auto insurance for specific details . Your state 's DMV can also provide information . Maske sure an insurance carrier will underwrite the policy should you want to insure a vehicle you do not hold the title to . 