Yes, a teenager can title a car in their name in New Hampshire, but the process has specific requirements due to their status as a minor. The key factor is that a parent or legal guardian must co-sign the title application, and the minor must typically be at least 16 years old to be listed as an owner. This co-signature is legally necessary because a minor cannot enter into a binding contract, such as an auto loan, on their own. The title will be issued with both names, often using "and" or "or" to define ownership rights.
The most straightforward path involves a parent purchasing the vehicle and titling it with the teen. If the teen is using their own funds, the process is similar but requires careful documentation. The vehicle's seller must properly assign the title, and you must complete the Application for Certificate of Title (Form TDMV 19A). Both the minor and the co-signing parent/guardian must sign this form. You'll also need to provide proof of identity, the vehicle's current title, and an odometer disclosure statement.
New Hampshire does not require auto insurance to title a vehicle, but you must obtain insurance before you can register it and get license plates. The state also charges a $2.50 title fee, plus a registration fee based on the vehicle's model year and weight. It's crucial to understand that if the title lists the owners with "and," both parties must sign to sell the vehicle later. Using "or" gives either owner the right to sell it independently.
| Required Item/Step | Description | Key Details for a Minor |
|---|
| Minimum Age | Age to be listed on a title. | Typically 16 years old. |
| Co-signer | Required adult participant. | Parent or legal guardian. |
| Title Application Form | Form needed from the DMV. | Form TDMV 19A. |
| Signatures on Title | Who must sign the application. | Both the minor and the co-signing adult. |
| Title Fee | State fee for issuing the title. | $2.50 (additional fees apply for registration). |
| Proof of Purchase | Documenting the transaction. | Properly assigned title from seller; bill of sale. |
| Insurance Requirement | For registration, not titling. | Must be secured after titling but before registration. |
| Ownership Structure | How names are listed on the title. | "John Doe AND Jane Doe" or "John Doe OR Jane Doe". |
The entire titling process must be completed at a New Hampshire municipal office that handles vehicle registrations, not a state DMV office. Since procedures can vary slightly by town, it's a good idea to call ahead or check the town's website for specific hours and document requirements.
