Can Auto Insurance Be Transferred? 
Generally , an insurance policy can not be transferred or assigned . Every personal auto policy I can remember reading prohibits assignment of the policy without the written consent of the insurance carrier . That makes sense because the carrier has a right to choose their customers and since it is their money providing the coverage , they have a right to consider any change of risk . As a general rule it makes more sense for a new policy to be written because even if the carrier consents to the change the new insured inherits the record of that policy including all the claims and payment history . If the coverage is being transferred between a spouse to another spouse after a death , the companies are not in the habit of denying the request to change the first named insured . Otherwise , per the ISO Personal Auto Policy , `` Assignment of this policy will not be valid unless we give our written consent . '' The answer is no but there is a pathway to a `` yes '' if the carrier consents in writing . 