How Old Do You Have to Be to Buy a Car?

Even if you can buy a car, you will need to be 18 to own it legally in most states.

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Updated · 3 min read
Profile photo of Shannon Bradley
Written by Shannon Bradley
Lead Writer
Profile photo of Julie Myhre-Nunes
Assigning Editor
Fact Checked

Most states have no age requirement for buying a vehicle, but you will need to be at least 18 to register, title and insure it in most states. Also, you cannot get an auto loan if you are under 18.

If you aren’t 18 yet, you will most likely need the help of an adult to buy and insure a car. That’s because many transactions related to buying and driving a car require signing a contract. Businesses — such as car dealers, banks and insurance companies — are reluctant to enter into a contract with someone under 18, because minors can’t be held to the terms of the contract.

Here are some of the difficulties you will face if trying to buy a car before you turn 18.

Auto loans from our partners

LightStream - New car purchase loan logo
Check Rate

on LightStream

LightStream

4.5

NerdWallet rating 
LightStream - New car purchase loan logo

4.5

NerdWallet rating 
Est. APR 

7.74 - 15.69%

Min. credit score 

660

Check Rate

on LightStream

Auto Credit Express - New car purchase loan logo
Check Rate

on Auto Credit Express

Auto Credit Express

Auto Credit Express - New car purchase loan logo
Est. APR 

N/A

Min. credit score 

525

Check Rate

on Auto Credit Express

MyAutoloan - New car purchase loan logo
Check Rate

on MyAutoloan

MyAutoloan

4.0

NerdWallet rating 
MyAutoloan - New car purchase loan logo

4.0

NerdWallet rating 
Est. APR 

7.24 - 35.47%

Min. credit score 

600

Check Rate

on MyAutoloan

Buying a car when you’re under 18

Buying a car from a dealership requires signing a sales contract, which isn’t legally binding in most states if you’re a minor. For that reason, you will most likely need an adult to sign a contract to buy from a dealership.

You may be able to purchase a car from a private seller, but even then, you will need an adult's help to register, title and insure the car.

Getting an auto loan

Auto loans from our partners

Gravity Lending - Refinance loan logo
Check Rate

on Gravity Lending

Gravity Lending

4.5

NerdWallet rating 
Gravity Lending - Refinance loan logo

4.5

NerdWallet rating 
Est. APR 

4.99 - 17.99%

Min. credit score 

500

Check Rate

on Gravity Lending

RefiJet - Refinance loan logo
Check Rate

on RefiJet

RefiJet

5.0

NerdWallet rating 
RefiJet - Refinance loan logo

5.0

NerdWallet rating 
Est. APR 

5.29 - 21.99%

Min. credit score 

500

Check Rate

on RefiJet

MyAutoloan - Refinance loan logo
Check Rate

on MyAutoloan

MyAutoloan

4.5

NerdWallet rating 
MyAutoloan - Refinance loan logo

4.5

NerdWallet rating 
Est. APR 

5.49 - 29.0%

Min. credit score 

400

Check Rate

on MyAutoloan