Yes, you can add a second person to a car title. This process, officially called titling a vehicle in multiple names, is common for co-owners like spouses or family members. The exact procedure varies by state but is handled through your local Department of Motor Vehicles (DMV). The most critical decision you'll make is how to structure the ownership, primarily choosing between "Joint Tenancy with Right of Survivorship" or "Tenancy in Common," which dictates what happens to the vehicle if one owner passes away.
The general process involves completing the current title's assignment section or obtaining a new application form. Both parties typically need to provide their information and signatures. You must submit this paperwork, along with the current title, a valid form of identification, and payment for any title and registration fees, to the DMV. Some states may also require a smog check or verification of the vehicle identification number (VIN). It's crucial to check your specific state's DMV website for precise requirements, as missing a step can cause significant delays.
| Step | Action Item | Key Considerations & Common Documents |
|---|
| 1 | Determine Co-ownership Type | Joint Tenancy: Survivor automatically inherits the entire vehicle. Tenancy in Common: Deceased owner's share passes to their estate/heirs. |
| 2 | Obtain Correct Forms | Visit your state's DMV website for the "Application for Certificate of Title" or similar. |
| 3 | Complete Title Assignment | If you hold the physical title, the current owner(s) must sign it over to both new owners in the designated section. |
| 4 | Gather Required Documents | Current title, government-issued photo IDs for both parties, completed application form, lien release (if applicable). |
| 5 | Submit Application & Pay Fees | Submit in person at a DMV office or via mail. Fees vary by state but usually include a new title fee and possibly sales tax. |
| 6 | Receive New Title | Processing time can range from a few weeks to a couple of months before the new title with both names is mailed to you. |
Remember, adding a name to a title is different from adding someone to your auto insurance policy. You should contact your insurance provider to update the policy accordingly after the title change is processed.
