2 Answers

Yes, the car is in their name so the insurance must be in their name too. The insurance insures the owner for damage done by their vehicle. They also have to pay to insure the person driving it. Didn't I answer this already? 

Colleen

Actually, yes I did. http://www.akaqa.com/question/q19191886612-Can-the-name-on-registration-be-different-from-the-name-on-the-insurance I do not need to get a little smart. I am a lot smart. You should know the law and if you do not and do not want to accept my answer, then call the DMV. The registration and the insurance has to be in the same name no matter who owns it or drives it. That's me being a lot smart, not just a little smart.

Just because the owner of the car doesn't drive and that the car is parked does not exclude the possibility of a law suit.  For example, if someone at home other than the owner somehow drives the car to the grocery store and hits a pedestrian, that person is liable, along with the registered owner of the car.  Another example would be, because of the heavy rains and flooding, the car rolled out of the garage and hit a toddler, the owner could be sued for negligence (although I am sure not for Gross Negligence).