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No. The insured must be the owner of the vehicle on the title. The only time this can vary is in the case of a husband, wife, and minor children who live in the same household. All residents of the household as well as any drivers must be listed as drivers on the policy. Some companies will allow the owner to be listed as an insured and not be listed as a driver but only if the owner does not have a license. This will also require them to sign and exclusion which is an agreement that the person not drive the vehicle and if they do drive there is no coverage whatsoever on the vehicle while the excluded driver is driving. As a matter of full disclosure, I own and operate a small Independent Insurance Company in Central Georgia and have for the past 22 years. Prior to that I worked as an agent for a direct writer of insurance for 3 years.

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Q: Can you drop someone off your auto insurance policy even if you both are on the title?
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