{"id":43553,"date":"2022-07-14T12:23:11","date_gmt":"2022-07-14T12:23:11","guid":{"rendered":" https:\/\/dev.way.com\/blog\/?p=43553"},"modified":"2022-07-14T12:41:07","modified_gmt":"2022-07-14T12:41:07","slug":"at-what-age-can-you-buy-a-car","status":"publish","type":"post","link":"https:\/\/dev.way.com\/journal\/at-what-age-can-you-buy-a-car\/","title":{"rendered":"How Old Do You Have to Be to Buy a Car?"},"content":{"rendered":"<div class=\"ewa-rteLine\" style=\"text-align: center;\">\n<p><i><span data-contrast=\"auto\">If you&#8217;re a young adult, having a vehicle of your own is the coolest thing imaginable. If you&#8217;re a parent, getting your kid a car can reduce the burden of picking up and dropping them off every time! However, how old do you have to be to actually buy a car? Here&#8217;s a quick lowdown.<\/span><\/i><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:2,&quot;335551620&quot;:2,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p style=\"text-align: justify;\"><span data-contrast=\"auto\">If you&#8217;re someone who&#8217;s always on the move &#8211; either for work or study &#8211; cars are an essential possession to have. This is true, especially between the years of 15-22, when young adults are zipping across town for school, college, extracurriculars, or jobs! Having your own vehicle can help you reach everywhere in a jiffy &#8211; but can you own a car if you&#8217;re a minor?\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<blockquote>\n<p style=\"text-align: justify;\"><b><i><span data-contrast=\"auto\">Long story short:<\/span><\/i><\/b><i><span data-contrast=\"auto\"> You need to be above 18 years in most states to be able to buy a car on your own. However, some states allow minors to buy cars with a co-signer. Others won&#8217;t let minors buy cars but will let them title the car in their name.\u00a0<\/span><\/i><span data-contrast=\"auto\">\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<\/blockquote>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #e71346;color:#e71346\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #e71346;color:#e71346\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/dev.way.com\/journal\/at-what-age-can-you-buy-a-car\/#What_is_the_legal_age_to_own_a_car\" >What is the legal age to own a car?\u00a0\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/dev.way.com\/journal\/at-what-age-can-you-buy-a-car\/#At_what_age_can_you_buy_a_car_from_a_dealership\" >At what age can you buy a car from a dealership?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/dev.way.com\/journal\/at-what-age-can-you-buy-a-car\/#Can_a_17-year-old_buy_a_car_from_a_private_seller\" >Can a 17-year-old buy a car from a private seller?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/dev.way.com\/journal\/at-what-age-can-you-buy-a-car\/#Can_a_16-year-old_own_a_car\" >Can a 16-year-old own a car?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/dev.way.com\/journal\/at-what-age-can-you-buy-a-car\/#Can_a_teenager_get_their_own_car_insurance_policy\" >Can a teenager get their own car insurance policy?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/dev.way.com\/journal\/at-what-age-can-you-buy-a-car\/#Can_a_minor_buy_a_car\" >Can a minor buy a car?\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/dev.way.com\/journal\/at-what-age-can-you-buy-a-car\/#At_what_age_can_a_teen_own_a_car\" >At what age can a teen own a car?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/dev.way.com\/journal\/at-what-age-can-you-buy-a-car\/#I_am_16_years_old_and_have_a_job_Can_I_buy_a_car_with_cash_on_my_own\" >I am 16 years old and have a job. Can I buy a car with cash on my own?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/dev.way.com\/journal\/at-what-age-can-you-buy-a-car\/#Can_a_17-year-old_get_a_loan_to_purchase_a_car_from_a_dealership\" >Can a 17-year-old get a loan to purchase a car from a dealership?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/dev.way.com\/journal\/at-what-age-can-you-buy-a-car\/#Can_I_transfer_a_car_title_to_my_17-year-old\" >Can I transfer a car title to my 17-year-old?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/dev.way.com\/journal\/at-what-age-can-you-buy-a-car\/#Can_I_buy_my_15-year-old_a_car\" >Can I buy my 15-year-old a car?\u00a0<\/a><\/li><\/ul><\/nav><\/div>\n<h2 style=\"text-align: justify;\" aria-level=\"2\"><span class=\"ez-toc-section\" id=\"What_is_the_legal_age_to_own_a_car\"><\/span><span data-contrast=\"none\">What is the legal age to own a car?\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:40,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\"><b><span data-contrast=\"auto\">In all 50 states of America, you have to be over the age of 18 to legally buy a car and apply for an auto loan. The reason is that buying a vehicle involves several contracts and documents that are legally binding only if you are above the &#8216;age of majority&#8217; &#8211; which is 18 or above in most states.<\/span><\/b><span data-contrast=\"auto\">\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p style=\"text-align: justify;\"><span data-contrast=\"auto\">While 47 states have 18 years as the age of majority, two states (Alabama and Nebraska) have set it as 19, and 1 state (Mississippi) has it set at 21.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<\/div>\n<div>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"At_what_age_can_you_buy_a_car_from_a_dealership\"><\/span>At what age can you buy a car from a dealership?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\"><strong>You can only buy a car from a dealership if you are older than 18 years.\u00a0<\/strong><\/p>\n<p style=\"text-align: justify;\">Purchasing any vehicle requires you to sign a lot of paperwork, most of which are contracts that need to be enforceable in a court of law. Since most states do not recognize people below 18 as adults, you will have trouble finding an auto loan lender, getting auto insurance, and other things needed for a car.<\/p>\n<p style=\"text-align: justify;\">However, once you turn 18, you can buy a car from a dealership &#8211; even if you don&#8217;t have a credit history. You can either buy it using cash or get an auto loan with a parent as your co-signer.<\/p>\n<p style=\"text-align: justify;\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-43607 size-large aligncenter\" src=\"https:\/\/blog.way.com\/wp-content\/uploads\/2022\/07\/How-old-to-buy-car1-1024x682.jpg\" alt=\"how old do you have to be to buy a car\" width=\"640\" height=\"426\" srcset=\"http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/07\/How-old-to-buy-car1-1024x682.jpg 1024w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/07\/How-old-to-buy-car1-300x200.jpg 300w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/07\/How-old-to-buy-car1-768x512.jpg 768w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/07\/How-old-to-buy-car1-1536x1024.jpg 1536w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/07\/How-old-to-buy-car1-600x400.jpg 600w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/07\/How-old-to-buy-car1.jpg 2000w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/><\/p>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Can_a_17-year-old_buy_a_car_from_a_private_seller\"><\/span>Can a 17-year-old buy a car from a private seller?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\"><strong>Even if you find a private seller or plan to buy a used car as a 17-year-old, you will face several hurdles when purchasing the vehicle<\/strong>.<\/p>\n<ul style=\"text-align: justify;\">\n<li style=\"text-align: justify;\">Lenders will not be willing to finance your purchase unless you turn 18 &#8211; otherwise, they face the risk of the contract being null and void.<\/li>\n<li style=\"text-align: justify;\">Even if you want to buy a used car from a private party using cash, you will still have to register the vehicle and title it in your name. Very few states allow minors to own property or vehicles, so you will have to first register it in an adult&#8217;s name until you turn 18.<\/li>\n<\/ul>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Can_a_16-year-old_own_a_car\"><\/span>Can a 16-year-old own a car?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\"><strong>Technically, a 16-year-old cannot own a car. This is because you cannot get an auto loan unless you are 18 or older at the time of application<\/strong>.<\/p>\n<p style=\"text-align: justify;\">If they have enough cash with them, they can buy a car from a private seller &#8211; but very few states allow minors to register and title the car in their name. They will have to register the vehicle in an adult&#8217;s name and then transfer it to themselves once they turn 18. However, some states like Florida, Arizona, Texas, and California allow minors to register car titles in their names.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Can_a_teenager_get_their_own_car_insurance_policy\"><\/span>Can a teenager get their own car insurance policy?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div class=\"FTDQoV\">\n<p class=\"_2GMChG _3-to_p\" style=\"text-align: justify;\"><span class=\"_2GMChG _3-to_p\"><strong>A car insurance policy is a legal contract &#8211; which means you need to be 18 or above for it to be enforceable<\/strong>.<strong> However, some states and lenders allow 16-year-olds to purchase their own car insurance policies for a higher premium.\u00a0<\/strong><\/span><\/p>\n<p class=\"_2GMChG _3-to_p\" style=\"text-align: justify;\"><span class=\"_2GMChG _3-to_p\">A safer option would be to <a href=\" https:\/\/dev.way.com\/blog\/the-cost-of-car-insurance-for-a-16-year-old-driver\/\" target=\"_blank\" rel=\"noopener\">add the teenager to their parents&#8217; or legal guardians&#8217; car insurance policy<\/a>. This will be cheaper than paying for a separate policy until they turn 18.\u00a0<\/span><\/p>\n<p><a href=\" https:\/\/dev.way.com\/blog\/how-long-can-you-stay-on-your-parents-car-insurance\/\" target=\"_blank\" rel=\"noopener\"><strong>Also read: How long can you stay on your parents&#8217; car insurance?<\/strong><\/a><\/p>\n<p style=\"text-align: justify;\">There are certain exceptions to this rule &#8211; emancipated minors can typically be considered as adults even before they reach the age of 18. They are individuals who are legally responsible for themselves even before they turn 18. This includes:<\/p>\n<ul>\n<li style=\"text-align: justify;\">Persons enlisted in the military<\/li>\n<li style=\"text-align: justify;\">Married individuals<\/li>\n<li style=\"text-align: justify;\">Minors who have been emancipated by a court order<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<p><a href=\"https:\/\/www.way.com\/insurance\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/blog.way.com\/wp-content\/uploads\/2022\/06\/MicrosoftTeams-image-82.png\" alt=\"how old do you have to be to buy a car\" width=\"909\" height=\"337\" \/><\/a><\/p>\n<div>\n<p>&nbsp;<\/p>\n<\/div>\n<h2><em>Frequently Asked Questions (FAQ)<\/em><\/h2>\n<h2><span class=\"ez-toc-section\" id=\"Can_a_minor_buy_a_car\"><\/span><span data-contrast=\"none\">Can a minor buy a car?<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>No, you have to be above the age of 18 to legally buy and own a car in America.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"At_what_age_can_a_teen_own_a_car\"><\/span>At what age can a teen own a car?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\"><strong>In America, you can only legally buy and register a car in your name after the age of 18. Since an auto loan is a legal contract, the borrower needs to be an adult who can repay the loan<\/strong>. Some states allow minors to buy a car with cash, but you still need to register it and get a car insurance policy &#8211; for which the applicant mandatorily needs to be above 18 years.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"I_am_16_years_old_and_have_a_job_Can_I_buy_a_car_with_cash_on_my_own\"><\/span>I am 16 years old and have a job. Can I buy a car with cash on my own?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\"><strong>If you are 16 years old and have a job, you can technically buy a car with cash. However, you will not be able to register or get the title in your name in most states<\/strong>. If you&#8217;re in Florida, Arizona, California, or a few other states, this rule is not strictly followed. However, the best way to buy the car is by registering it in an adult&#8217;s name and then transferring it to yourself when you turn 18.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Can_a_17-year-old_get_a_loan_to_purchase_a_car_from_a_dealership\"><\/span>Can a 17-year-old get a loan to purchase a car from a dealership?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\"><strong>No, a 17-year-old cannot get an auto loan to buy a car. Lenders will only give you a loan if the contract they sign with the applicant is enforceable in a court of law.<\/strong> Since anything signed by a minor operates on different laws, lenders will not be willing to give minors auto loans.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Can_I_transfer_a_car_title_to_my_17-year-old\"><\/span>Can I transfer a car title to my 17-year-old?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>It is not possible to transfer a car title to a 17-year-old in most states in America.<\/strong> Some states like Texas and Arizona allow it, but there are further hurdles like the difficulty in getting car insurance. So to be safe, always transfer your car title to an adult.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Can_I_buy_my_15-year-old_a_car\"><\/span><span data-contrast=\"none\">Can I buy my 15-year-old a car?<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>If you are a parent or legal guardian of a 15-year-old, you can definitely buy them a car &#8211; but you will have to register and title the car in your own name<\/strong>. You can only transfer it to them once they turn 18 by <a href=\"https:\/\/www.way.com\/auto-refinance\" target=\"_blank\" rel=\"noopener\">refinancing the car loan in their name<\/a>.<\/p>\n<div><a href=\"https:\/\/www.way.com\/auto-refinance\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/blog.way.com\/wp-content\/uploads\/2022\/02\/REFINANCE-BANNER.png\" alt=\"how old do you have to be to buy a car?\" width=\"744\" height=\"276\" \/><\/a><\/div>\n<div style=\"text-align: center;\">\n<hr \/>\n<p><em>Here&#8217;s more info on <\/em><a title=\"https:\/\/www.way.com\/airport-parking\" href=\"https:\/\/www.way.com\/airport-parking\" target=\"_blank\" rel=\"noopener noreferrer\" aria-label=\"Link top-rated airport parking\"><em>top-rated airport parking<\/em><\/a><em>,\u00a0<\/em><a title=\"https:\/\/www.way.com\/cities\" href=\"https:\/\/www.way.com\/cities\" target=\"_blank\" rel=\"noopener noreferrer\" aria-label=\"Link the best parking spots in your city\"><em>the best parking spots in your city<\/em><\/a><em>, the most affordable\u00a0<u><a title=\"https:\/\/www.way.com\/auto-insurance\" href=\"https:\/\/www.way.com\/auto-insurance\" target=\"_blank\" rel=\"noopener noreferrer\" aria-label=\"Link auto insurance\u00a0\">auto insurance\u00a0<\/a><\/u>for your car, and\u00a0<\/em><a title=\"https:\/\/www.way.com\/car-wash-near-me\" href=\"https:\/\/www.way.com\/car-wash-near-me\" target=\"_blank\" rel=\"noopener noreferrer\" aria-label=\"Link top-rated car washes near you\"><em>top-rated car washes near you<\/em><\/a><em>.<\/em><\/p>\n<\/div>\n<div>\n<hr \/>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>If you&#8217;re a young adult, having a vehicle of your own is the coolest thing imaginable. If you&#8217;re a parent, getting your kid a car can reduce the burden of picking up and dropping them off every time! However, how old do you have to be to actually buy a car? Here&#8217;s a quick lowdown.\u00a0\u00a0\u00a0&hellip; <a class=\"more-link\" href=\"https:\/\/dev.way.com\/journal\/at-what-age-can-you-buy-a-car\/\">Continue reading <span class=\"screen-reader-text\">How Old Do You Have to Be to Buy a Car?<\/span><\/a><\/p>\n","protected":false},"author":46,"featured_media":43606,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1962,1855],"tags":[6080,6081,6082,6079],"class_list":["post-43553","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-auto-refinance","category-finance","tag-how-old-to-buy-a-car","tag-at-what-age-can-you-buy-a-car","tag-can-a-minor-buy-a-car","tag-what-age-can-you-buy-a-car","entry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.3 (Yoast SEO v28.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>How Old Do You Have To Be To Buy A Car? | Way.com<\/title>\n<meta name=\"description\" content=\"If you&#039;re a young adult, having a vehicle of your own is the coolest thing imaginable. 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