Can A 16yr Old Legally Own His Own Car With No Strings Attached By His Parents, In The State Of FL

Posted in Student Car Insurance | Asked on Jun 29, 2010

I am 16 years old, dropped out of school back in 9th grade. However, I quit doing stupid stuff and now attend a community college, have my GED, and hold a job. Me and my parents are doing better at getting along, however that trust may never be reestablished yuh know? I have done everything myself, from GED,to work,To student state grants. I have around 2.5K saved up and want to invest in a 1992 honda civic. My question is, can I own my own car and insurance without the fear of my father being able to take my car every time he gets pissed? I will not be signing contracts, for it will all be paid for in cash. Also, I have a full license. And just out of curiosity…Can anyone give me a good estimate on insurance costs for a 1992 honda civic for a 16 year old teen. All info helps, thanks.

P.S. Be mature guys, I know I should have stayed in school and should be being cheerful with my parents, but that path isn’t for everyone. I am surprisingly very proud of myself at how far I’ve come from that. Thanks.
I can’t stand when people don’t read the question right. I’m sorry, but I though I said I wasn’t signing any contracts…?
I know what I legally can and can’t do.

I’m getting dual answers here, I just need a yes or no guys. Thanks.

There are 8 Answers for "Can A 16yr Old Legally Own His Own Car With No Strings Attached By His Parents, In The State Of FL"

  1. Johnny says:

    16 is to young to get A Car you wanna kill yourself or something what the beep are you thinking

  2. Scott H says:

    No. At 16 you are prohibited from signing contracts and other legal documents and you are not permitted to own certain types of personal property. The only exception might be if you are a legally emancipated minor.

  3. kevin says:

    You can own a car at 2, as long as you can sign the title. If your father’s name is on the title you may run into problems. Make sure the title is in your name only. As far as parental rights, they vary from state to state, so problems occurring there are unavoidable without some legal method of severance. Insurance policies vary from zip code to zip code, so you will just have to do some shopping there.

  4. bcweir says:

    As long as you have a valid driver’s license when you purchase the car, you should be able to purchase the car. Paying cash for it eliminates another obstacle, a finance plan, since at 16, you’re probably not old enough to sign a contract. However, FL would put you under a restricted driver’s license (no such thing as a “full license” for a 16 year old under FL law), which might be problematic if you needed to operate the car outside of the permitted times. Insurance is likely to be high, since you’re under the age of 25 to 30 years old. The insurance company may look at other factors also, including the model of the car, particularly if it’s a specialty model, high-performance, or a two seater. Several websites such as GEICO and Progressive allow you to check and compare quotes, and even print out a policy online.

    As far as your father is concerned, that may be a complicated situation. You might be able to find a secured gated outdoor parking space at most storage places, but you might run into the obstacle of your age. Being under the age of 18 may render any contract you sign legally unenforceable, and that might keep you from getting the storage space.

    Best suggestion I can give you there is find someone you can trust who doesn’t mind storing the car from you, and for added insurance, consider installing an ignition kill device to complicate your father finding and removing the vehicle.

    I am aware that you said you didn’t ask about contracts. However, purchasing certain types of property will include some sort of contract between you the buyer and the seller. That’s not anyone trying to give you a hard time. Just about everywhere, it’s state or federal law. Buying insurance will also involve a contract. A contract is just a legal agreement between you the buyer and whoever the seller is. The title and registration can be considered contracts between you and the state. You are agreeing to a legal document that says the car is yours, you agree to obey all laws in operating it, etc., and pay any applicable taxes and fees on the car. You might have your biggest challenge with encountering these contracts.

  5. oklatom says:

    Well, Scott H has the right answer, but didn’t go far enough with the answer. Yes, I understand you are paying cash for the car, so there will be no contract to sign there, but you’re forgetting insurance coverage, which is a financial contract, and at 16 you can’t sign that, and you can’t drive it without insurance. So, no, unless your parents are willing to add you to their policy for the next couple of years.

    And, as others have stated, if you are supporting yourself and not living with your parents, you may be able to get the court to declare you an emancipated minor, which would give you adult status.

    Hey, good job with turning things around. I know that took some real effort.

  6. mbrcatz says:

    It’s not a straight yes/no answer.

    Yes, you can title and insure a car in just your name. Unless you are an emancipated minor, your PARENTS, as your legal guardians, still have complete control of your assets, until you are no longer a minor.

    The person who can give you a good estimate for car insurance, will be a local agent. For minimum coverage only, it’s probably going to run between $1200 and $1800 a year.

    The reason people are citing contracts, is because an insurance policy IS a contract. Now, the contractual age varies by state, but is as young as 15 in some states. Yes, at 16, you CAN sign your own insurance application (a contract).

    I, personally, have written contracts (insurance policies) for minors.

  7. gomanyes says:

    No, you cannot.

    As a minor, you cannot make a contract. Even if you pay cash, it’s still a contract. Unless you have been officially emancipated by a court, any property you “own” is technically the property of your parent or legal guardian until you turn 18.

  8. Dan B says:

    Sure. Be careful if you buy one from a vulture dealer out there. You’re young and aren’t mature enough to recognize when you’re being ripped off. Car dealers are adept at raising the cost of the car via dealer add-ons over and above what it’s worth. Just be sure the title and registration is in your name only. If anyone takes the car, it’s grand theft auto.

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