Can I Get Car Insurance Without a License?
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. After all, car insurance typically follows the car.
Should I get car insurance with no license?
The consequences of driving without car insurance will make you want to secure a policy — whether you’re behind the wheel or not. In fact, some states might not issue you a driver’s license until you show proof of insurance coverage.
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.
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.
Why should I get a license before insurance?
Many major insurance providers require drivers to possess a valid driver’s license before they will write an insurance policy. One of the reasons for this is because your driving record is a factor used to determine your rate. Drivers with a longer driving history with continuous licensure are often seen as lower risk, potentially leading to lower premiums. If you intend to drive, you need a license to drive legally. Additionally, some states require that at least one licensed driver is listed on the policy
Do I need car insurance without a license?
There are a few reasons to get car insurance if you are not currently driving and don't have a license:
- Someone else drives your vehicle.
- You want to maintain coverage while your license is suspended or expired.
- You are working on reinstating your license.
- You don’t have a license now but may drive again in the future.
- Your car is in storage and needs coverage against theft or damage.
How can I get car insurance without a license?
It is possible to obtain car insurance without a driver's license. Here are a few ways you could get covered:
- Shop around for an insurance company that offers policies for those without a driver’s license.
- Designate someone else with a valid license as the primary driver of your vehicle
- List yourself as an excluded driver on the policy, which means the vehicle will be insured, but you won’t be covered.
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