Benefit of Having Two Names on Car Title [Legally Explained!]

Having a car for each member of your home can be a pipe dream because cars can be pricey. Maybe in a perfect world, everyone will have a car, but for now, joint ownership is still the most common way for people who live together or share a car to use and own a vehicle. Considering that drivers are legally permitted to co-own vehicles, the issue is raised.

When you buy a car, you should expect it to come with a certificate proving that you are the legal owner of the vehicle and that you have met all legal criteria to do so.

Nothing proves or establishes your ownership of the car without a car title, and you can make no claims whatsoever if your name is not on the title. A car title may have two names on it.

A car title might have two names on it. This implies that the individuals whose names are included on the title are thought of as equal co-owners of the vehicle.


  • The primary titleholder of a vehicle is the first individual mentioned on the title.
  • The secondary titleholder will be the next name on the list.
  • You must make sure that both names are listed and are in the proper order.

Benefit of Having Two Names on Car Title
Benefit of Having Two Names on Car Title

Can Two Names be on a Car Title?

Absolutely! A car title might have two names on it. When two names appear on a car title, it denotes joint ownership of the vehicle with each party having an equal stake in its management. The two individuals have to complete the title application jointly because they are legally recognized as the owners.

Decisions on insurance, maintenance, or any other issue involving the car must be decided unanimously by both owners because it is not owned by just one person. They have to work together. The truth is that, aside from decision-making, whether a car is owned by one person or two people has no bearing on the insurance or registration of the vehicle.

This means that just while two individuals own a car, they don’t necessarily have to spend more for housekeeping or insurance. In actuality, more than two people may share equal ownership of a single car in addition to the usual two. This implies that a car title may have more than two names on it.

The parties who own the car must, however, be present when the title is registered because only then may their names be registered in the title.

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Benefit of Having Two Names on Car Title.

Having two names on a car title doesn’t exactly have many benefits. Most often, spouses or members of the same family who live together collaborate to buy a car and become joint owners.

Since they are essentially the same, there aren’t many ramifications other than the fact that they are both officially the car’s owners.

Full ownership is easily transferable.When a partner passes away, this typically occurs. There won't be any question at all as to who will receive complete ownership of the vehicle if the car title has two names on it and one of the co-owners passes away.
Higher merit in relation to auto liability insurance.To take advantage of the other person's beneficial insurance coverage, two people can agree to co-own an automobile and have their names on the title.

This typically occurs between parents and children who are preparing to get their first cars and the parent has long enjoyed a very privileged insurance coverage.

The parent will then co-own the automobile and utilize the same preferred insurance policy for the car, the document of which will now be having two names, in order for that youngster to benefit from the parent’s insurance policy, typically for the aim of saving expenses.

Drawbacks of Having Two Names on Car Title

Constraints in Decision-Making.This implies that unless you and your co-owner agree on the decision to make, you cannot make any decisions about the car in question on your own. This typically requires more time than if the car title had just one name on it. That would imply that there is just one owner of the vehicle.
Financially foolish DecisionCo-owning a car, or having two names on the title, is not a sensible financial move because you will eventually find that you end up spending more money than you would have if you had owned the car on upkeep, repairs, etc. It simply occurs.
Free WillAnother significant drawback is that you cannot purchase a second vehicle without the other person's consent or joint ownership. You cannot buy or own another car in which you are the only owner after your name appears on the title alongside someone else's. If your name is listed on a car title alongside someone else's, it severely limits the kind of vehicle you can own as an individual.
No insurance coverage is available to non-family membersMany insurance providers won't recognize a person as a second owner or driver of the car if they are not a family member. Therefore, in order to complete this, you must find an insurance provider that will list everyone who is presented and does not have this policy of discrimination against non-family members.

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How Much Does Auto Insurance for Joint Ownership Cost?

Married couples are known to pay less for auto insurance than a single individual, despite the fact that it might seem that adding more drivers to a policy would raise the cost. They’ll need to be if they want to drive their kids about when they get older, mostly because married couples are viewed as safer drivers. These insurance premiums average $116 per month, or $1,392 per year. That’s a little less than the typical rate, which is $1,451 per year.

It additionally depends on the insurance provider who is underwriting your policy. Everybody uses a unique formula to determine insurance rates. Accidents, moving violations, and numerous claims filed quickly are all factors that might raise the price of your auto insurance.

Can a Single Couple Purchase a Car Together?

Unmarried couples can buy cars together, yes. Any two or more people can purchase a vehicle jointly. Regardless of the nature of the relationships between the parties, it is just like entering into a contractual arrangement.

No matter if the pair is married or not, purchasing a car together necessitates signing a contract with third parties like the bank, the insurance provider, and the car dealer.

No matter the nature of the relationship between the parties, a breach of this agreement shall constitute a breach of contract and shall be construed as such.

Often Asked Question on multiple name on Car Title

Q) In California, how can I add a co-owner to a vehicle title?

A: Send the following to transfer a car between family members: The registered owner(s) listed on the title properly sign or endorse line 1 of the California Certificate of Title. Fill out and sign the new owner information on the back of the title.

Q) How can I register a car in another person's name?

A: The seller must first sign the title to transfer ownership of the vehicle. The state then provides a new registration and title once the buyer takes the signed title to the DMV. A bill of sale or a transfer of ownership form, for example, may be needed in some states in order to complete the process.

Q) How can I delete a co-owner from a California vehicle title?

A: Just ask the other party to sign the back of the title and hand it to you. This can be accomplished in person or via mail. Visit your local DMV to receive a new title with new tags if you are keeping the title but removing another name.


When two names appear on a vehicle’s title, it denotes that both owners share ownership and decision-making authority over the vehicle. The truth is that having a co-owned car has more drawbacks than having a car that you own alone, particularly if the co-owner is not a relative. Therefore, if you can, purchase a vehicle that you can drive on your own.

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Ethan Simons

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