Yes, you can add your spouse's name to a car title. The process, handled by your local Department of Motor Vehicles (DMV), involves changing the title's ownership designation, typically to Joint Tenancy with Rights of Survivorship (JTWROS). This is a common step for married couples to simplify asset transfer and clarify shared ownership. However, it's not mandatory, and the decision depends on your financial and estate planning goals.
The primary method is to apply for a new title. You'll need to complete your state's specific title application form, often requiring both spouses' signatures. You must surrender the current title and pay a fee. If there's an outstanding loan on the vehicle, the process is more complex. The lienholder (the bank that holds the loan) must agree to add a new owner, as it changes their risk. You'll likely need to provide a notarized letter from the lienholder authorizing the change before the DMV can issue a new title.
Adding a spouse can have several implications. A key benefit is the right of survivorship; if one owner passes away, full ownership automatically transfers to the surviving spouse without the need for probate court. It can also simplify car insurance, as some providers may offer multi-car or multi-driver discounts. On the downside, it means both spouses' credit could be affected if there are loan payments, and it might complicate a future sale, as both signatures would be required.
The exact requirements, fees, and forms vary significantly by state. The table below outlines the general process in a few representative states.
| State | Typical Process | Key Requirements | Notable Considerations |
|---|
| California | Submit Form REG 227 for a transfer. | Both spouses must sign the application; current title; smog certificate may be required. | A transfer fee and use tax are applicable. |
| Texas | Submit Form 130-U for a title transfer. | Application must include the odometer reading; both spouses must sign. | The vehicle must currently have a Texas title. |
| Florida | Submit Form HSMV 82101 for a new title. | Requires the original title; both spouses' identification. | No state inheritance tax strengthens the survivorship benefit. |
| New York | Submit Form MV-82 (Vehicle Registration/Title Application). | Proof of insurance; a Statement of Transaction (Form DTF-802) may be needed. | If there's a lien, the MV-900 (Odometer and Damage Disclosure Statement) is required. |
| Illinois | Submit Form VSD 190 for an amended title. | The current title must be surrendered; a $95 fee is typical. | Both owners must appear in person or have signatures notarized if mailing. |
The best course of action is to visit your state's official DMV website or call them directly to get the most accurate and up-to-date instructions for your specific situation.
