Do you have to be the owner of a car to get auto insurance?

Yes. Normally you have to own a vehicle to insure it. You cannot purchase insurance on a vehicle that you do not own with a few exceptions. The exceptions deal with a family household situation. Vehicles titled to a husband or wife may be insured on the policy of either one and the same thing applies to children living in the home as a car titled in an adult child's name may be added to the insurance policy of the parents.