Can I get a title loan with no insurance?

Quick Answer Yes, you can get a title loan with no insurance. However, it is important to note that insurance requirements may vary among lenders and states. Some lenders may require insurance as a condition for obtaining a title loan, while others may not.

Samuel Fisher profile picture
Samuel Fisher ā€¢ Answer updated on Jun 26, 2023

Fact checked by Dwayne Dumesle

Yes, you can get a title loan with no insurance, but it depends.

Some lenders will have no issue accepting your title loan application without proof of insurance, while others will not.

Learn: Where can I get a title loan?

That said, I don't need to be your parent and also remind you that laws in most states require all people with a vehicle to have insurance šŸ˜.

To be clear, insurance isn't one of the common requirements for a car title loan. Again, this doesn't mean that a lender in your state won't ask for your proof of insurance. Even in one of the states where car insurance is not mandatory, a lender may still ask for proof of insurance.

Learn: Can you get a title loan with an expired registration?

Here are some tips to keep in mind if you need a title loan, but don't have insurance:

  • Call ahead: Before you apply, call the lender and ask if they require insurance. Easy peasy! If they do require it, you'll know to keep dialing for dollars. ā˜Žļø
  • Purchase insurance for the life of the loan: If you are not having any luck finding a lender who will let you skate without insurance, just get some temporarily. You can often put down less than 10% of the policy premium and have proof of insurance within seconds.[1]

Personally, since you asked, it is probably in your best interest to be driving with insurance. But, if you are staunchly against the whole insurance-thing, maybe you should try an personal installment loan. There are no cars involved at all!

  1. What is a car insurance down payment? ā†©ļøŽ

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