See: How To Get Car Insurance With No License?

Nov 29, 2023 By Susan Kelly

Introduction

If you own a car, you need auto insurance like everyone else. It's a safeguard against financial loss in the event of an accident you cause, theft, or damage to your vehicle. When submitting a car insurance application, The company needs the license numbers to verify the drivers. However, you can still get the protection you require if you don't have a driver's license.

Can You Get Car Insurance Without a License?

Car insurance can be purchased without a driver's license, but the likelihood of being accepted by an insurer is lower for drivers without licenses. The best way to obtain insurance if you own a vehicle but do not have a driver's license or driving permit is to buy the insurance and then add yourself as an exclusion driver. However, not all insurance providers accept customers who wish to have their drivers excluded. Comprehensive-only policies may also cover cars in storage.

You are not an individual driver from the policy. There is another option for getting auto insurance if your current provider refuses to do so because you have designated someone other than yourself as the vehicle's primary driver. Make a formal request to be excluded from coverage by purchasing additional insurance. If you're an "excluded driver," your auto insurance won't pay for any damages caused by accident, even if it's your fault. The insurance company you are already with might be persuaded to cover the vehicle if you are not the primary driver by presenting them with the primary driver's safe driving record. Know that the driver's record will heavily influence your auto insurance premium. Ideally, the main driver would have a clean driving record free of accidents and tickets.

Auto Insurance for Unlicensed Drivers

It may seem pointless to get auto insurance if you can't legally drive because you don't have a license, but there are situations where drivers who don't have licenses can benefit from showing proof of insurance. There are situations where having auto insurance will not only help to protect their investment but also the investment of others and may even result in a reduction in premium payments.

When Do I Need To Purchase Car Insurance Without A License?

Obtaining auto insurance without a driver's license can be a great option for some drivers. For instance, people who have lost their driving privileges for medical reasons may need a private driver to take their car to medical appointments. Car collectors may be interested in this service to protect their valuable collections from harm.

The Reasons To Get Car Insurance Without A License

You are no longer able to drive.

You may have access to a vehicle for transportation. Still, if you are disabled and unable to drive, you should always travel with a passenger, such as an elderly relative or caregiver. The premiums on an insurance policy can go up if you are listed as a driver with no valid license.

You're insuring a vehicle for a minor incident.

Auto loans may not be available from all lenders to those under 18. This makes it harder for minors to obtain a car. For this reason, you can buy a car (or get a loan to do so) for a younger driver even if you don't have a license and have no intention of driving it yourself.

You are a car dealer, or you are storing a car.

Nothing in the law prohibits individuals who do not have driver's licenses from acquiring vehicles. You bought a used car to restore, but you won't be driving it on public roads soon.

Can You Get Car Insurance With a Suspended License?

Your driving privileges may be restricted or revoked if you have a poor driving record, have been convicted of driving under the influence, or have been found at fault in an accident in which your vehicle was not insured. The state department of motor vehicles will require proof that liability insurance is in place. The minimum levels of coverage mandated by individual states for automobile insurance vary widely. You'll need to show proof of insurance in the form of an SR-22, also known as a "certificate of financial responsibility," to your insurer.

Conclusion

Though some companies deny your application, you can still get auto insurance without a driver's license. To get car insurance, you may have to name someone in your household as the main driver. You should consider the parking policy if you don't want someone else to drive your car. Most auto insurers won't write you a policy if you don't name at least one licensed driver on it, even if you are the primary policyholder. Most states' laws require car insurance even if you don't have a driver's license to operate a vehicle legally. It's possible to get auto insurance even if you don't have a license if one of the following applies to you: the licensed driver who will be operating the vehicle, a student who does not yet have a license or a driver whose license has been suspended indefinitely.

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