Getting Car Insurance Without a License

a young family poses for a photo inside their car

Looking for car insurance but don’t have a driver’s license? You’re not alone: many unlicensed drivers own cars.

For instance, a senior who no longer drives might decide not to renew their license but still own a car. That way, others can take them to shops, family gatherings, and similar places.

The consequences of driving without car insurance will make you want to secure a policy—whether you’re behind the wheel or not.

Car Insurance Is Important, Even Without A Driver’s License

Carrying an auto insurance policy is mandated by law in 49 of the 50 U.S. states. As of this writing, only New Hampshire bucks the trend, though drivers there must still meet “alternative financial responsibility requirements.”

Not having auto insurance can result in stiff penalties, like thousands of dollars in fines, losing your vehicle registration, having your car towed, and depending on the situation… getting sued.

If the threat of legal action doesn’t concern you, the potentially steep repair bill from a car accident just might. According to the National Safety Council, the average two-car accident results in nearly $9,000 worth of damage. 

Getting Car Insurance Without A License

Situations such as the one described above, where a car owner elects not to get or renew his or her driver’s license but still wishes to own a car, aren’t the only times the topic of auto insurance for unlicensed drivers might arise. Another situation is when people involuntarily lose their license following a traffic-related incident.

In such cases, car insurance is available where the car’s owner is not the primary driver.

  • If the primary driver is a spouse, that person should be able to add the vehicle to their policy.
  • If the primary driver is a child, the vehicle’s owner can get a policy that excludes them (the owner) from operating the vehicle but insures the child serving as the primary driver.

As you discuss auto insurance options with potential insurance companies, ask about Uninsured Motorist Coverage. It can help with expenses if you're injured in a car accident and the at-fault driver can't be identified, doesn't have insurance, or doesn't have enough insurance to cover your claim.

SR22 Forms, Unlicensed Drivers & Car Insurance

If you’re dealing with the ramifications of a driver’s license suspension, expect to hear about an SR22 or a policy certified for financial responsibility . (And if you’re driving with a suspended license, stop! The consequences can be severe.)

An SR22 is a certification an insurance company must provide to your state's department of motor vehicles or similar authority when you apply to have your driving privileges reinstated.  It’s sometimes referred to as “SR22 insurance,” but an SR22 is not insurance. Some companies call it a “certificate of financial responsibility.”  In most states you’ll be required to maintain the SR22 certification for 3 years.

Much More Than Cheap Car Insurance

Can you insure a car without a license? Yes, but it will require some work on your part to find a quality car insurance company that’s also affordable. You may not want to go with the cheapest car insurance you can find, as it might leave you exposed to surprise expenses. If you’re curious about your options for car insurance with no license, let's talk. Call, click, or come in today to speak with a Direct Auto Insurance agent near you.

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