If you are planning on giving your vehicle to your parents for them to drive in Pennsylvania, you should have no problem switching the title over to them and allowing them to purchase PA insurance for it.

If instead you want to change the vehicle over to your parents name and get Pennsylvania insurance but continue to be the main driver and have the car reside with you in New Jersey, this will likely not be proper.

New Jersey requires cars that reside in NJ to be registered and titled in that state; you thus would also need NJ insurance. Motor vehicles typically need to be rated for the state in which they will reside. Some insurance companies require that a car be garaged 10 months out of a year in that state for it to insure the vehicle.

Having the car registered and insured in one state but the vehicle staying in another, if not told to the insurance company, could be considered misrepresentation or insurance fraud in some states.

You or your parents can obtain either Pennsylvania or New Jersey car insurance by getting an online auto insurance quote.