Yes, a minor can have a car title in their name, but the process is complex and varies significantly by state. In most cases, it requires a co-signer (typically a parent or legal guardian) on both the title and any associated auto loan. The primary reason is contractual: minors can legally disaffirm contracts, which creates a substantial financial risk for lenders and sellers. Therefore, direct, sole ownership by a minor is often restricted.
The most common pathway involves a parent co-signing. This means the title might read "[Minor's Name] AND [Parent's Name]" or use specific designations like "Minor/Guardian." The co-signer is equally responsible for the loan and any liabilities arising from the vehicle's use. Some states allow for a court order establishing the minor's emancipation, which grants them the legal capacity to contract as an adult, thereby enabling sole ownership.
State-by-State Variations in Minor Car Title Regulations
| State | Minimum Age for Sole Titling | Common Requirements | Special Notes |
|---|
| California | 18 | Co-signer required for minors | Titling as "Minor/Guardian" is standard practice. |
| Texas | 18 | Parental consent form often needed | The minor and parent are jointly and severally liable. |
| Florida | 18 | Co-signer mandatory for financing | Sole titling is exceptionally rare without emancipation. |
| New York | 18 | Court-ordered emancipation required for sole title | Leasing a vehicle to a minor is generally not permitted. |
| Illinois | 18 | Co-signer on both title and registration | The vehicle cannot be solely in the minor's name for financed purchases. |
Beyond titling, consider insurance. Insuring a car titled to a minor is notoriously expensive. Premiums for teen drivers are already high, and having the minor as the titled owner can complicate the policy. It is almost always more practical and cost-effective for the parent to hold the title and add the teen as a primary driver on the insurance policy. This approach maintains parental control over the asset while the minor is learning responsible ownership and driving habits. Before proceeding, contact your local Department of Motor Vehicles (DMV) for specific documentation and procedures in your state.
