# Switching car insurance from my dad to me **URL:** \ **Category:** Insurance\ **Tags:** nj, ny\ **Created:** [April 6, 2026, 10:20pm UTC](https://forum.leasehackr.com/t/switching-car-insurance-from-my-dad-to-me/755553 "2026-04-06T22:20:46Z")\ **Posts on this page:** 8\ **Page:** 1
**Author:** ![Josephcamry](https://leasehackr.b-cdn.net/letter_avatar/josephcamry/32/5_5575768a8748004e209b776fc1b2916d.png) [@Josephcamry](https://forum.leasehackr.com/u/Josephcamry)\ **Post date:** [April 6, 2026, 10:20pm UTC](https://forum.leasehackr.com/t/switching-car-insurance-from-my-dad-to-me/755553/1 "2026-04-06T22:20:46Z")
My car is financed in my dads name with the insurance in his name, I would like to put the insurance in my name. I don’t have stable income to refinance in my name. Any suggestions? Thank you! ---
**Author:** ![ApexHunt](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/apexhunt/32/253347_2.png) [@ApexHunt](https://forum.leasehackr.com/u/ApexHunt)\ **Post date:** [April 6, 2026, 10:35pm UTC](https://forum.leasehackr.com/t/switching-car-insurance-from-my-dad-to-me/755553/2 "2026-04-06T22:35:41Z")
Would your father co-sign the loan for you? What are we talking about on payments? ---
**Author:** ![Josephcamry](https://leasehackr.b-cdn.net/letter_avatar/josephcamry/32/5_5575768a8748004e209b776fc1b2916d.png) [@Josephcamry](https://forum.leasehackr.com/u/Josephcamry)\ **Post date:** [April 6, 2026, 10:48pm UTC](https://forum.leasehackr.com/t/switching-car-insurance-from-my-dad-to-me/755553/3 "2026-04-06T22:48:16Z")
Yes he would 12k remaining on the loan ---
**Author:** ![buster11xx](https://leasehackr.b-cdn.net/letter_avatar/buster11xx/32/5_5575768a8748004e209b776fc1b2916d.png) [@buster11xx](https://forum.leasehackr.com/u/buster11xx)\ **Post date:** [April 7, 2026, 12:13am UTC](https://forum.leasehackr.com/t/switching-car-insurance-from-my-dad-to-me/755553/4 "2026-04-07T00:13:36Z")
You can take a policy and add your Dad as the vehicle owner. The important this is to have the coverage he needs for liability as he is just as responsible as you are in an accident (since he owns the car). I would go to a broker in your area that understands how to do this- if an accident happens and it is not set up correctly- he could be in a world of hurt. The other option is get the title in your name and keep him out of it. ---
**Author:** ![Josephcamry](https://leasehackr.b-cdn.net/letter_avatar/josephcamry/32/5_5575768a8748004e209b776fc1b2916d.png) [@Josephcamry](https://forum.leasehackr.com/u/Josephcamry)\ **Post date:** [April 7, 2026, 8:28pm UTC](https://forum.leasehackr.com/t/switching-car-insurance-from-my-dad-to-me/755553/5 "2026-04-07T20:28:35Z")
Got it, thanks all ---
**Author:** ![Batistuta](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/batistuta/32/70364_2.png) [@Batistuta](https://forum.leasehackr.com/u/Batistuta)\ **Post date:** [April 7, 2026, 10:52pm UTC](https://forum.leasehackr.com/t/switching-car-insurance-from-my-dad-to-me/755553/6 "2026-04-07T22:52:30Z")
Do you live in the same address? ---
**Author:** ![Josephcamry](https://leasehackr.b-cdn.net/letter_avatar/josephcamry/32/5_5575768a8748004e209b776fc1b2916d.png) [@Josephcamry](https://forum.leasehackr.com/u/Josephcamry)\ **Post date:** [April 10, 2026, 9:02pm UTC](https://forum.leasehackr.com/t/switching-car-insurance-from-my-dad-to-me/755553/7 "2026-04-10T21:02:28Z")
I did till now, but now I’m moving and want to put the car in my name, as currently the insurance in my dad’s name is exorbitant. ---
**Author:** ![mondyo445](https://leasehackr.b-cdn.net/letter_avatar/mondyo445/32/5_5575768a8748004e209b776fc1b2916d.png) [@mondyo445](https://forum.leasehackr.com/u/mondyo445)\ **Post date:** [May 5, 2026, 8:47pm UTC](https://forum.leasehackr.com/t/switching-car-insurance-from-my-dad-to-me/755553/8 "2026-05-05T20:47:02Z")
Since the car is financed in your dad’s name, most insurance companies will require him to be the primary policyholder or at least listed on the policy. You might be able to get a policy in your name and list him as an “additional interested party,” but definitely check with a few agents to see who handles financed vehicles most flexibly.