Since people under 18 can't enter into an insurance contract on their own, getting a policy can be a bit complicated. The short answer is “yes”. However, your teen may not be able to drive without you, as a parent, participating in obtaining car insurance coverage. Car ownership can be complex when it comes to a minor.
While laws vary from state to state, teens under 18 will most likely need adult help to get a car to buy on the road. Most car dealers prefer not to sell a car to minors because there are legal ramifications, which is also true for insurance companies. So, unless you've saved enough to buy a vehicle in cash, you'll need to have an adult co-sign your car loan if you're under 18. If you're not legally an adult in your state, you'll have the same challenges buying a car from a private seller as buying one from a dealership. Technically, parents wouldn't have any insurable interest in the vehicle, so the insurance company could refuse to add the teen's car to their policy.
Car insurance for teens is expensive, mainly because teens are inexperienced drivers who pose a significant risk to car insurance companies. If you're under 18 years old, you'll likely need to bring an adult with you to buy a car at a dealership. The Ohio Office of Motor Vehicles, or BMV, allows teens to title a car, but their parents must sign a form before that happens. According to contract law, a car dealer selling to a 17-year-old will normally request that a parent or guardian sign the bill of sale and other contract documents, requiring the adult who signed the contract to comply with the terms of the contract.
If you're under 18, you should normally put the vehicle title in the name of an adult and have the adult include your name as the driver in the vehicle. When you reach the age of maturity in your state, usually 18 years old, you can legally transfer the title of the car to your name. A car can be titled in the name of a minor as long as the owner can sign their name on the title application. While many states have no problem with a 16-year-old owning a car and titling it in their name, insurance companies are often reluctant to enter into a contract (an insurance policy is a contract) with a minor, meaning that the teen cannot legally drive the car on the street.
However, you'll still need a parent or guardian in most states to ensure vehicle registration and car insurance.