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If you just swap licence plates does THAT work

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The license plate on a particular car is registered to that car only so no, just swapping plates doesn't work. It's illegal as well.

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Depends on what you mean by "work" ... you may get ticketed, for having the wrong plate on the vehicle.

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if you transfer them through the state

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NO!!!!!! The plate is registered to one car

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work on what? and why would you change them?

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maybe

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Without the DMV authorisation it is illegal.

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it would be illegal because if the other person got a ticket you would be the paying the insurance and the cost will go up

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