Yes, you can absolutely have two names on a car title. This is a common practice for co-owners, such as married couples, family members, or business partners. However, the way the names are listed carries significant legal weight and determines what happens to the vehicle if one owner passes away or if you need to sell it. The two primary methods are Joint Tenancy with Rights of Survivorship (JTWROS) and Tenancy in Common.
With Joint Tenancy, if one owner dies, their share automatically transfers to the surviving owner without going through probate court. This is often the preferred method for spouses. In contrast, Tenancy in Common means each owner holds a distinct, transferable share (e.g., 50/50 or 70/30). If one owner dies, their share becomes part of their estate and is passed on to their heirs, not necessarily the other owner on the title.
The process involves both parties providing their information to the DMV when initially titling the car or during a title transfer. You must specify the desired ownership type. The main consideration is that both owners' signatures are typically required for any major transaction, like selling the car or obtaining a loan using the vehicle as collateral.
| Ownership Type | Key Feature | Ideal For | Probate Process? | Signature Requirement for Sale |
|---|
| Joint Tenancy (JTWROS) | Automatic transfer to survivor | Married couples, partners | Avoided | Usually all parties |
| Tenancy in Common | Specified, transferable shares | Business partners, friends | Required for deceased's share | Usually all parties |
| Community Property (Some States) | Assets acquired during marriage | Married couples in specific states | Varies by state | Varies by state |
Before deciding, consider your relationship with the co-owner and your long-term intentions for the vehicle. It's also wise to check with your state's DMV, as laws and terminology can vary.
