Can A Minor Purchase A Vehicle?

High school students tend to visit dealerships for vehicle service or to buy a car during the spring and summer months.  A minor can purchase a vehicle, but the dealer should be aware of certain pitfalls.


Any vehicle contract with an individual under the age of 18 can be rendered null and void, as a minor may have the right to return a vehicle and demand reimbursement until the age of 18.
 
Dealers are advised to require a responsible adult to become the purchaser or co-purchaser of a vehicle. 

Common questions on sales, service and insurance include:

Can a vehicle be registered in a minor's name?  Yes.  There is no age restriction to being registered as the owner or lessee of a vehicle.

What about a buyer's order, lease or rental agreement? It is advisable to have the minor and an adult, usually a parent, sign the buyer's order, lease or rental agreement, as well as financing documents.

Are there special disclosure requirements for sales to a minor?  No.  However, as minors often purchase lower-cost,  used vehicles, dealers should explain the warranty, if any, and request an adult co-purchaser acknowledge all aspects of the sale in writing.

Do any special requirements apply to a minor's proof of insurance? The name(s) listed on the registration must correspond with the proof of insurance.  The minor may own the vehicle and be covered by a parent's policy if the minor's name appears on the declaration page of the parent's insurance policy.  If the minor's name does not appear on the proof of insurance document provided, a dealer must request further proof of coverage which does list the minor's name.