Technically no, you do not have to own the title of the car in order to insure it. This is based upon the basic insurance premise that you have to have an interest in something in order to insure it. Interest, however, is not specifically defined.
For example, you can rent a car, which is in your care, custody and control you can have it covered under your personal auto policy. Or, a business can insure non-owned autos, which covers its employees and their personal autos when being used for business.
In summary, you just have to have an insurable interest to insure a car, which does not necessarily mean ownership.
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For example, you can rent a car, which is in your care, custody and control you can have it covered under your personal auto policy. Or, a business can insure non-owned autos, which covers its employees and their personal autos when being used for business.
In summary, you just have to have an insurable interest to insure a car, which does not necessarily mean ownership.