Yes, in most U.S. states, a 17-year-old can legally have a car titled in their name. However, this is almost always contingent on an adult co-signer, and the ability to own a car is separate from the legal right to drive it, which involves state-specific licensing laws, insurance requirements, and significant financial responsibility.
The core legal concept here is the difference between ownership (having the car's title in your name) and the operational requirements (licensing, registration, and insurance). While minors can own property, including a car, they lack the full legal capacity to enter into binding contracts. This is why a parent or guardian must almost always co-sign for the loan (if financing) and co-sign on the insurance policy.
State Laws and Co-Signers
Laws vary significantly by state. Some states may allow a minor to hold a title outright, but practically speaking, dealerships, lenders, and insurance companies will require an adult to be a co-owner or guarantor. This protects these entities because a minor can potentially void a contract. The table below outlines the general requirements in a sample of states, but you must check with your local Department of Motor Vehicles (DMV) for precise regulations.
| State | Minor Ownership Allowed? | Adult Co-Signer Typically Required? | Notes |
|---|
| California | Yes, with limitations | Yes | Often requires a court-established guardianship or co-titleing with an adult. |
| Texas | Yes | Yes | An adult must co-sign the title application for a minor. |
| Florida | Yes | Yes | Insurance companies will require an adult policyholder. |
| New York | Yes, with restrictions | Yes | Specific "minor exclusion" forms may be required for registration. |
| Illinois | Yes | Yes | Co-signer is mandatory for any financed vehicle. |
The Insurance Hurdle
This is often the biggest challenge. Car insurance for a 17-year-old, especially as the primary policyholder, is extremely expensive. Insurance companies view teen drivers as high-risk. Even if the car is in the teen's name, the insurance policy will almost certainly need to be in a parent's name with the teen listed as a driver. The premiums will be a major ongoing financial commitment.
Financial Responsibility
Beyond the purchase price, you need to consider ongoing costs: insurance, fuel, maintenance, and repairs. At 17, proving you can manage these costs is crucial. Owning a car is a major responsibility that extends far beyond just having your name on a piece of paper.
