Can I use my personal vehicle for my LLC?
Yes. Your LLC can use a vehicle titled in your name, but each policy protects a different person. Your personal auto policy answers for you as owner and driver, if your insurer accepts the business use. The LLC's own protection comes from a business auto policy with non-owned auto coverage, which protects the company, not you. And if you schedule your car on a business auto policy that names only the LLC, the standard ISO form does not make you an insured: it leaves out an LLC member as a permitted driver of an auto he or she owns. Name both of you, or title the vehicle to the LLC.
Updated . Written by Andre Beukers, principal at Redoubt, a commercial insurance agency in Salt Lake City, not a government office.
Who covers what when my LLC uses my personal vehicle?
Start with your own policy. The Utah Insurance Department says that for any use beyond driving to work and pleasure, "you may need a commercial auto policy, or you may need to see if your personal auto policy can be endorsed to cover your specific business use." It recommends you "discuss any business use of your vehicle with your insurance agent."
The LLC's side is non-owned auto liability on a business auto policy. On the ISO Business Auto Coverage Form, symbol 9 includes autos owned by "members (if you are a limited liability company) or members of their households but only while used in your business or your personal affairs." For an auto the LLC does not own, that insurance "is excess over any other collectible insurance," so your policy answers first if it covers that use.
It protects the LLC, not you. Who Is An Insured leaves out "a member (if you are a limited liability company) for a covered "auto" owned by him or her or a member of his or her household." Your policy's own forms and endorsements decide, so get the carrier's answer in writing; the table reads the ISO form.
| Setup | What insures you while you drive | What insures the LLC |
|---|---|---|
| Titled to you, on your personal policy; the LLC has non-owned auto | Your personal policy, if your insurer accepts the business use | Symbol 9 coverage, excess over your policy |
| Titled to you, on a business auto policy naming only the LLC | Not that policy: the member exception applies | The business auto policy |
| Titled to you, on a business auto policy naming you and the LLC | The business auto policy, as a Named Insured | The business auto policy |
| Titled to the LLC, on the LLC's business auto policy | The business auto policy, as a permitted driver | The business auto policy |
Can I get commercial auto insurance on a personal vehicle?
The standard forms allow it. ISO's CA 99 17 endorsement begins "If you are an individual, the policy is changed as follows," so a business auto policy can name you as an individual and cover the cars you own. GEICO's own page, dated September 16, 2026, says that for business use beyond commuting "a commercial policy is generally required, regardless of who technically owns it."
The fix for the member exception is to be a named insured, not a listed one. The form's "you" means "the Named Insured shown in the Declarations," and Who Is An Insured begins "You for any covered "auto"." A designated insured endorsement does not get around it: ISO's CA 20 48 makes a scheduled person an insured "only to the extent that person or organization qualifies as an "insured" under the Who Is An Insured provision."
CA 99 17 also makes family members insureds in your private passenger autos. Ask the carrier whether it will name you and the LLC together; the declarations page shows what it agreed to.
Can I insure a truck that is not in my name?
Only for an interest you have. Utah's Insurance Code says "An insurer may not knowingly provide insurance to a person who does not have or expect to have an insurable interest in the subject of the insurance," and counts "any lawful and substantial economic interest in the nonoccurrence of the event insured against." The business auto form provides for the LLC's liability in a member's truck: symbol 9 covers autos owned by members while used in the business.
The duty to insure sits with the owner. Utah's financial responsibility law defines "Owner" first as "a person who holds legal title to a motor vehicle," and 41-12a-301 says "every resident owner of a motor vehicle shall maintain owner's or operator's security in effect at any time that the motor vehicle is operated on a highway." If the truck is titled to you and the LLC only uses it, the duty is yours.
Damage to the truck is the second gap. The hired auto symbol "does not include any "auto" you lease, hire, rent or borrow from" the LLC's members or their households, so the LLC's hired auto physical damage does not reach your truck. Physical damage on your own policy, or on a business auto policy that names you and lists the truck, is where to look for repair coverage, if any.
Can an LLC own a vehicle, and can I buy a truck under my LLC?
Yes. Utah's LLC Act, renumbered into Title 16 on October 1, 2026, says "A limited liability company is an entity distinct from the limited liability company's member or members" and gives it "the power to do all things necessary or convenient to carry on the limited liability company's activities and affairs."
If the LLC buys the truck, the LLC is the owner. The business auto form's owned-auto symbol covers "Only those "autos" you own," and "you" means the Named Insured, so for that symbol to reach the truck the LLC has to be the Named Insured on the policy, in the name on the title. Progressive says "If the vehicle is in your business's name or your employees drive it regularly, you'll probably need commercial auto insurance." Bind before the truck moves: Utah's duty applies whenever it is driven on a highway.
How do I title and register a vehicle in my LLC's name in Utah?
With Form TC-656, the Vehicle Application for Utah Title and Registration. Its owner block reads "Name (last, first, middle initial, or business name)," and FEIN is one of the ID types it lists. The DMV's transfer page says the TC-656 "must be completed by the new vehicle owners" and that "all owners listed on the application are required to provide government issued identification."
The owner's signature is also an insurance promise: "I certify that I will maintain owner’s or operator’s insurance for this vehicle, as required by law." Have the LLC's policy in force, in the LLC's name and with the VIN, when you sign. A personal policy in your name leaves the LLC, the owner on the title, without a policy of its own.
For a vehicle you already own, the LLC becomes the new owner through a title transfer, covered in the next answer.
Can my LLC buy my car from me, or can I lease it to my LLC?
It can buy it, as an ordinary title transfer. The DMV's checklist says "Make sure the previous lien holder, if there is one printed on the face of the certificate of title, has signed to release their lien on the vehicle," so a financed car needs the lender's release first. The DMV also says sales and use tax is based on the purchase price; ask a tax adviser how a sale or contribution to your own company is treated.
A lease does not, by itself, put your car on the LLC's policy: the hired auto symbol leaves out autos leased from a member. Utah's definition of "Owner" also counts "a lessee in possession," so a lease can give the LLC the duty to insure as well. ISO's CA 20 01 Lessor endorsement applies only where the lease "requires you to provide direct primary insurance for the lessor"; there, a scheduled leased auto "will be considered a covered "auto" you own and not a covered "auto" you hire or borrow." But it makes the lessor an insured only for acts of the LLC, its employees or agents, or a permitted driver "except the lessor." Get the carrier's answer in writing on whether you are covered when you drive.
Should I put my vehicle in my LLC?
Decide the legal and tax question first; the insurance follows. Utah's LLC Act says a member is not personally liable for the company's debts and liabilities "solely by reason of being or acting as a member or manager." That covers liability you would carry only because you are a member. Ask a lawyer what an LLC title does for a crash you cause yourself.
On the ISO form, an LLC title takes the member exception out of play: the LLC is owner and named insured, and you are a permitted driver of an auto the LLC owns, not one you own. If you then drop your personal policy, Progressive says its commercial auto "can cover both business and personal use, like day-to-day trips"; confirm the carrier you place with says the same in its policy, and check household drivers.
What is drive other car coverage, and do I need it?
It covers you in cars you don't own once the LLC's policy is your only one. ISO's CA 99 10 makes "Any "auto" you don't own, hire or borrow" a covered auto while used by the individual named in its schedule or that person's resident spouse, and makes them insureds. Without it, the business auto form insures the LLC in a non-owned car, not you.
It excludes "Any "auto" owned by that individual or by any member of his or her household," so it does nothing for a personally titled car, and it changes only the coverages with a premium in its schedule. It matters when you move your cars to the LLC and drop your personal policy.
What to send to place a personally titled vehicle for LLC use
The carrier needs the same names, vehicle and drivers that exist in the real setup.
- 1.Title and registration, showing whose name is on each
- 2.The LLC's exact legal name and FEIN
- 3.Your personal auto declarations page and endorsements
- 4.VIN, year, make, model and value
- 5.Lender or lessor name and address, if any
- 6.Every driver, including household members
- 7.What the vehicle does for the LLC, and the business and personal mileage split
- 8.Garaging address
- 9.Other vehicles in the household
- 10.Any customer contract or certificate request naming the LLC
Does my LLC's general liability policy cover the vehicle?
No. The ISO general liability form excludes injury or damage "arising out of the ownership, maintenance, use or entrustment to others of any aircraft, "auto" or watercraft owned or operated by or rented or loaned to any insured."
Is my spouse's car treated the same way?
On the ISO form, yes. Non-owned auto coverage and the member exception both reach cars owned by members of your household, so the LLC's policy does not insure you in your spouse's car either.
Where these answers come from
Each entry carries the exact words of the source so you can check it yourself. Forms, rules and carrier pages change; read the current version before acting.
- 1. Utah Insurance Department, Business Use of Your Auto
“If you use your vehicle for any purpose other than driving to work and pleasure use, you may need a commercial auto policy, or you may need to see if your personal auto policy can be endorsed to cover your specific business use.”
insurance.utah.gov, accessed October 3, 2026. Read in a browser; insurance.utah.gov returns 403 to curl. - 2. Utah Insurance Department, Business Use of Your Auto, closing advice
“We recommend you discuss any business use of your vehicle with your insurance agent to ensure you are adequately covered.”
insurance.utah.gov, accessed October 3, 2026. Read in a browser; insurance.utah.gov returns 403 to curl. - 3. ISO CA 00 01 11 20, Business Auto Coverage Form, preamble
“Throughout this Policy, the words "you" and "your" refer to the Named Insured shown in the Declarations.”
assets.touchpointmarkets.com, accessed October 3, 2026. Bare ISO form hosted by Touchpoint Markets (FC&S). Carriers file their own versions; the policy issued controls. - 4. ISO CA 00 01 11 20, Business Auto Coverage Form, Section I, symbol 2 (Owned Autos Only)
“Only those "autos" you own (and for Covered Autos Liability Coverage any "trailers" you don't own while attached to power units you own).”
assets.touchpointmarkets.com, accessed October 3, 2026 - 5. ISO CA 00 01 11 20, Business Auto Coverage Form, Section I, symbol 8 (Hired Autos Only)
“Only those "autos" you lease, hire, rent or borrow. This does not include any "auto" you lease, hire, rent or borrow from any of your "employees", partners (if you are a partnership), members (if you are a limited liability company) or members of their households.”
assets.touchpointmarkets.com, accessed October 3, 2026 - 6. ISO CA 00 01 11 20, Business Auto Coverage Form, Section I, symbol 9 (Non-owned Autos Only)
“Only those "autos" you do not own, lease, hire, rent or borrow that are used in connection with your business. This includes "autos" owned by your "employees", partners (if you are a partnership), members (if you are a limited liability company) or members of their households but only while used in your business or your personal affairs.”
assets.touchpointmarkets.com, accessed October 3, 2026 - 7. ISO CA 00 01 11 20, Business Auto Coverage Form, Section II, A.1. Who Is An Insured, a. and b.
“a. You for any covered "auto". b. Anyone else while using with your permission a covered "auto" you own, hire or borrow except:”
assets.touchpointmarkets.com, accessed October 3, 2026 - 8. ISO CA 00 01 11 20, Business Auto Coverage Form, Section II, A.1.b.(5), the partner and member exception
“A partner (if you are a partnership) or a member (if you are a limited liability company) for a covered "auto" owned by him or her or a member of his or her household.”
assets.touchpointmarkets.com, accessed October 3, 2026. One of the exceptions to paragraph b., which otherwise insures anyone using a covered auto with the named insured's permission. - 9. ISO CA 00 01 11 20, Business Auto Coverage Form, Section IV, B.5. Other Insurance
“For any covered "auto" you own, this Coverage Form provides primary insurance. For any covered "auto" you don't own, the insurance provided by this Coverage Form is excess over any other collectible insurance.”
assets.touchpointmarkets.com, accessed October 3, 2026 - 10. ISO CA 20 48 10 13, Designated Insured For Covered Autos Liability Coverage (IIAT InfoCentral)
“Each person or organization shown in the Schedule is an "insured" for Covered Autos Liability Coverage, but only to the extent that person or organization qualifies as an "insured" under the Who Is An Insured provision”
iiat.org, accessed October 3, 2026 - 11. ISO CA 99 17 10 13, Individual Named Insured, opening condition
“If you are an individual, the policy is changed as follows:”
assets.touchpointmarkets.com, accessed October 3, 2026. The endorsement modifies the Business Auto and Motor Carrier Coverage Forms; paragraph A.2 applies when any auto the individual owns of the private passenger type is a covered auto. - 12. ISO CA 99 17 10 13, Individual Named Insured, A.2.a.
“"Family members" are "insureds" for any covered "auto" you own of the "private passenger type" and any other "auto" described in Paragraph 2.b. of this endorsement.”
assets.touchpointmarkets.com, accessed October 3, 2026. The endorsement applies "If you are an individual", that is, when an individual is a named insured. - 13. ISO CA 99 10 10 13, Drive Other Car Coverage, Broadened Coverage For Named Individuals, B.1. (IIAT InfoCentral)
“Any "auto" you don't own, hire or borrow is a covered "auto" while being used by any individual named in the Schedule or by his or her spouse while a resident of the same household except: a. Any "auto" owned by that individual or by any member of his or her household.”
iiat.org, accessed October 3, 2026. Paragraph A says the endorsement "changes only those coverages where a premium is shown in the Schedule." - 14. ISO CA 20 01 11 20, Lessor – Additional Insured And Loss Payee, A.1.
“Any "leased auto" designated or described in the Schedule will be considered a covered "auto" you own and not a covered "auto" you hire or borrow.”
assets.touchpointmarkets.com, accessed October 3, 2026 - 15. ISO CA 20 01 11 20, Lessor – Additional Insured And Loss Payee, A.2.
“However, the lessor is an "insured" only for "bodily injury" or "property damage" resulting from the acts or omissions by: a. You; b. Any of your "employees" or agents; or c. Any person, except the lessor or any "employee" or agent of the lessor, operating a "leased auto" with the permission of any of the above.”
assets.touchpointmarkets.com, accessed October 3, 2026 - 16. ISO CA 20 01 11 20, Lessor – Additional Insured And Loss Payee, E. definition of leased auto
“"Leased auto" means an "auto" leased or rented to you, including any substitute, replacement or extra "auto" needed to meet seasonal or other needs, under a leasing or rental agreement that requires you to provide direct primary insurance for the lessor.”
assets.touchpointmarkets.com, accessed October 3, 2026 - 17. ISO CG 00 01 12 25, Commercial General Liability Coverage Form, exclusion g. Aircraft, Auto Or Watercraft
“"Bodily injury" or "property damage" arising out of the ownership, maintenance, use or entrustment to others of any aircraft, "auto" or watercraft owned or operated by or rented or loaned to any insured.”
assets.touchpointmarkets.com, accessed October 3, 2026 - 18. Utah Code 31A-21-104(2)(a), insurable interest required
“An insurer may not knowingly provide insurance to a person who does not have or expect to have an insurable interest in the subject of the insurance.”
le.utah.gov, accessed October 3, 2026 - 19. Utah Code 31A-21-104(1)(c), insurable interest in property or liability
“"Insurable interest" in property or liability means any lawful and substantial economic interest in the nonoccurrence of the event insured against.”
le.utah.gov, accessed October 3, 2026 - 20. Utah Code 41-12a-103(9), definition of owner, Financial Responsibility of Motor Vehicle Owners and Operators Act (effective January 1, 2025)
“"Owner" means: (a) a person who holds legal title to a motor vehicle; (b) a lessee in possession;”
le.utah.gov, accessed October 3, 2026. Paragraphs (c) and (d) add a conditional vendee or lessee with a right of purchase and a mortgagor entitled to possession. - 21. Utah Code 41-12a-301(2)(a), owner's or operator's security required (effective May 6, 2026)
“every resident owner of a motor vehicle shall maintain owner's or operator's security in effect at any time that the motor vehicle is operated on a highway or on a quasi-public road or parking area within the state”
le.utah.gov, accessed October 3, 2026 - 22. Utah Code 16-20-103(1), nature of a limited liability company (effective October 1, 2026)
“A limited liability company is an entity distinct from the limited liability company's member or members.”
le.utah.gov, accessed October 3, 2026. Renumbered from 48-3a-104 by Chapter 93, 2026 General Session; the old Title 48 pages are marked renumbered or repealed as of October 1, 2026. - 23. Utah Code 16-20-104, powers of a limited liability company (effective October 1, 2026)
“A limited liability company has the capacity to sue and be sued in the limited liability company's own name and the power to do all things necessary or convenient to carry on the limited liability company's activities and affairs.”
le.utah.gov, accessed October 3, 2026 - 24. Utah Code 16-20-304(1)(b), liability of members and managers (effective October 1, 2026)
“A member or manager is not personally liable, directly or indirectly, by way of contribution or otherwise, for a debt, obligation, or other liability of the limited liability company solely by reason of being or acting as a member or manager.”
le.utah.gov, accessed October 3, 2026. Renumbered from 48-3a-304 by Chapter 93, 2026 General Session. - 25. Utah State Tax Commission, Form TC-656, Vehicle Application for Utah Title and Registration (Rev. 7/26), Section 1 owner block
“Name (last, first, middle initial, or business name)”
files.tax.utah.gov, accessed October 3, 2026. The ID type boxes under the name are Drivers license, Passport, State ID, FEIN, Military ID and Foreign ID. - 26. Utah State Tax Commission, Form TC-656 (Rev. 7/26), Section 6 owner signature
“I declare that I am the owner of the vehicle described on this application and all the above information is accurate and true. I certify that I will maintain owner’s or operator’s insurance for this vehicle, as required by law”
files.tax.utah.gov, accessed October 3, 2026 - 27. Utah DMV, Transfer a Utah Title, application for Utah title (Form TC-656)
“must be completed by the new vehicle owners. This may be completed at the DMV at the time of transfer. Please note, all owners listed on the application are required to provide government issued identification.”
dmv.utah.gov, accessed October 3, 2026. Read in a browser; dmv.utah.gov is listed as browser-only in the research pull key. - 28. Utah DMV, Transfer a Utah Title, certificate of title checklist
“Make sure the previous lien holder, if there is one printed on the face of the certificate of title, has signed to release their lien on the vehicle.”
dmv.utah.gov, accessed October 3, 2026. Read in a browser. - 29. Utah DMV, Title Requirements in Utah, FAQ on sales tax
“Sales and use tax is based on the purchase price. Utah does not have a sales tax exemption for family-to-family vehicle purchases.”
dmv.utah.gov, accessed October 3, 2026. Read in a browser. The same answer says the purchase price you claim "must state the price you actually paid." The FAQ does not address a sale or contribution to the buyer's own company. - 30. Progressive Commercial, Commercial Auto vs. Personal Auto, who owns and drives the vehicle
“If the vehicle is in your business's name or your employees drive it regularly, you'll probably need commercial auto insurance.”
progressivecommercial.com, accessed October 3, 2026. What Progressive says about when its customers need a commercial policy. Read in a browser. - 31. Progressive Commercial, Commercial Auto vs. Personal Auto, FAQ on needing both policies
“No. Commercial auto insurance can cover both business and personal use, like day-to-day trips.”
progressivecommercial.com, accessed October 3, 2026. Progressive describing its own product. Read in a browser. - 32. GEICO (vendor page), When Do You Need Commercial Vehicle Insurance?, key takeaways, dated September 16, 2026
“If a vehicle is used for tasks tied to your occupation or business — beyond just commuting — a commercial policy is generally required, regardless of who technically owns it.”
geico.com, accessed October 3, 2026. A carrier's own editorial page, cited only as what GEICO says; it is not a statement of law or of any other carrier's practice.
The LLC is buying or titling its first vehicle and the policy has to match the name
Personal title, business use and the named insured: what an LLC policy needs and when a personally titled vehicle works.
Elsewhere on the site
Car in your name, work in the LLC's?
Text Redoubt the title, your current declarations page, the LLC's exact legal name and what the vehicle does for the business. We will talk through which policy has to name whom, and what to ask the carrier before anything is retitled.
This is general insurance information, not legal advice or a coverage determination. The policy forms, the endorsements the carrier issues, and the requirement in writing from whoever is asking control.