Can you get car insurance without a license?

Sometimes, life’s circumstances can put you in situations outside of the norm. One of those situations is needing car insurance with no driver’s license. Insurance professionals encounter many consumer problems, and we understand that there are reasons you would need car insurance with no license.  

This article will explore insurance for drivers who don’t hold a valid driver’s license. 

Can you get car insurance without a license?

Yes, you can get car insurance without a license, although you may have trouble finding an insurance company to cover you. But you can successfully overcome this obstacle because small and regional insurers expand their market base to insurance customers who need car insurance with no license.

In addition, several car insurance carriers understand that some unlicensed people need car insurance. You may fall into one of the following situations.

You Can’t Drive Because of Adverse Health Conditions

An injury or illness can prevent you from driving for a while, but you still need to protect your car while out of commission. For example, your vehicle could sustain damage while in storage or parked in your driveway during your recovery time. 

No one wants to face an expensive car repair bill to get back on the road again. So, protecting your vehicle is essential, even when your license expires while recovering. Also, a lapse in coverage could result in higher car insurance rates when you decide to resume coverage.

You Have Delegated the Driving Duties to Someone Else

If you have lost your ability to drive for any reason, you may allow relatives or paid help to drive you where you need to go without dealing with ride share services or public transportation. In addition, the average car insurance rate increases about 8% to 12% for every year of age. So, if you are a senior, it may be cheaper to have someone else drive you. 

You Have a Provisional License

Do you need insurance with a learner’s permit? If you are a student driver with a learner’s permit, you still need auto insurance for any car you drive. Some students have the option of using their parents’ auto insurance policy. Without that option, you can still get car insurance with a learner’s permit, even though it is not an official license.

It doesn’t matter how you get it, you will need auto insurance in order to drive on public roads with a learner’s permit.

You Own Show Cars

If you own cars for collection or showcasing purposes, you still need to financially protect your assets against theft or damage from acts of nature and non-collision accidents. You can also own a car without insurance, but doing so puts your asset at risk. You need a comprehensive-only policy against fire and theft for these assets if they’re not driven on public roads. However, any vehicle that is registered to drive on public roads will require insurance.  

How can you get car insurance without a license?

You can find car insurance quotes even without a license. Rates for unlicensed drivers are usually higher because most insurance companies consider these policies to be high-risk. With that in mind, here are some steps you can take to get car insurance without a license:

• Revising your car’s registration to get auto coverage. Listing a licensed driver as the co-owner or owner of your vehicle can increase your chances of getting car insurance with no license. However, some companies stipulate that the licensed driver be a member of your household. 
• Get parked car coverage. If you intend to store your car in a garage or other facility, parked car coverage is a smart method of getting car insurance with no license. However, this type of car insurance only covers comprehensive damage such as fire, vandalism, flooding, and theft. So, a parked-car insurance policy doesn’t allow you to drive your car at all.

Can you get car insurance when you have a suspended license?

Unless insurers consider you an extreme risk, you can get insurance with a suspended license due to a traffic violation like a DUI or an at-fault accident. 

To reinstate your license in most states, you must contact your insurance company to submit an SR-22 form to the DMV to verify that you have the minimum coverage for your state.

Can you buy a car if you don’t have a driver’s license? 

You can buy a vehicle and register a car with no driver’s license. However, most car dealerships require a driver’s license to approve financing for your car purchase. Since local banks don’t need a license to approve a car loan, you could try to get pre-approved for a bank car loan before car shopping.

You may be wondering, “Can you own a car without insurance?” or “Can you register a car without a license?” The answer is yes, but you can’t drive it until you provide the documents proving you have both.

Securing Your Auto Insurance With No License

As you can see, there are many options you can use to get car insurance without a license. Whether you are a driver with a suspended license, a student driver, or physically incapacitated, the insurance industry provides ways for you to get the insurance you need.