Getting Car Insurance With No License

Obtaining car insurance is sometimes tedious, but it’s a generally straightforward process. Every now and then though, there are curveballs. One question that is more common than you might think is, “Can you get car insurance without a license?” 

In this article, we’ll help you find out exactly how you can obtain the insurance you need. Let’s take a comprehensive look at how you can search for a quote and learn more about car insurance coverage, even if you don’t have a driver’s license.

If you’re ready right now, enter your ZIP code into our free auto insurance comparison tool to find affordable coverage in your area today.

Can you get car insurance without a license?

Yes, most people can get can insurance without a license. You’ll need to search carefully to find an insurance provider who offers plans for people without licenses. 

Some people have health issues that prevent them from driving, and they need coverage so that friends or relatives can drive them to doctors’ appointments and other locations.  

Owners of classic or vintage vehicles may desire a policy to cover their treasured car, truck, or SUV even though they don’t drive them. 

Comprehensive-only coverage is one option for these types of vehicles. Unlike other forms of no-license insurance, it doesn’t cover you on the road, but it can pay for damage from theft, vandalism, a severe storm, or other problems. You may need to register your car as non-operational or a classic, and you won’t be able to legally drive it.

If you want car insurance for unlicensed drivers, there will be extra steps in the application process. Fortunately, they aren’t usually difficult to handle.

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How to Get Car Insurance Without a License

If you don’t intend to drive, you can get an insurance policy that lists another legal driver as the primary operator of the vehicle. Then, they’ll be able to drive you around while benefiting from good coverage.

Be aware that some companies may require you to directly exclude yourself as a driver to obtain a no-license insurance policy. Driving the vehicle while specifically excluded could increase your insurance rates. It could also cost you even more if you get a ticket. Many insurance companies require all registered owners of a vehicle to be on a policy, so getting coverage with an excluded driver can be tricky.  

Even for people who follow all the rules, insurance for unlicensed drivers is usually more costly than coverage for licensed drivers. Make sure that you refine the policy to your specific needs as much as possible. You can avoid higher insurance rates by not paying for options and coverage you don’t need.

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

Yes, you can get car insurance even when you have a suspended license. In some states, high-risk drivers need an SR-22 certificate. 

The insurance company must file this certificate with the state to prove the driver has insurance, and they must notify the state if coverage lapses. People who need an SR-22 often need high-risk insurance coverage as well. This kind of high-risk coverage has very high rates and strict terms, so you should make sure that you read the policy carefully before agreeing to it. Breaking the terms could have serious consequences related to your future insurability, especially if you drive with a suspended license.

In many states, you can get a restricted license if you need to get to doctors’ appointments, make court dates, attend work, or transport dependents while your license is suspended. The names that states use for these licenses vary, so you may need to look for hardship, work, occupational, or restricted licenses.

Do you need insurance with a learner’s permit?

A student driver with a learner’s permit should be able to obtain an insurance policy without a full license as well. Most people with learner’s permits are already insured by the policy of a parent or guardian. If you’re financing your vehicle, you do need insurance with a learner’s permit in order to satisfy your lien holder. You can then upgrade your no-license insurance once you pass your driving test. 

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

There are no restrictions keeping people from buying cars without driver’s licenses. You can also own a car without insurance. However, someone without a license can’t legally drive the vehicle away from the dealership. They can’t take a test drive either, but the salesperson can drive them around.  

Can you register your car if you don’t have a license?

You can register a car without a license. All vehicles must be legally insured and registered to be street legal. Make sure to renew your registration regularly to avoid government fines or even vehicle impoundment. 

While you don’t need a driver’s license, you must have proof of insurance coverage and a valid ID. After completing registration, you need to purchase a license plate from your state’s DMV to let other people drive your vehicle.

Case Studies: Real-World Scenarios of Obtaining Car Insurance Without a License

Case Study 1: Sarah’s Classic Car Coverage

Sarah is a car enthusiast who owns a vintage vehicle that she doesn’t drive. She wants to protect her treasured car from theft, vandalism, and other risks. Sarah explores her options and discovers comprehensive-only coverage.

She registers her car as non-operational and obtains an insurance policy that provides coverage for damages while the car is parked. Although Sarah doesn’t have a driver’s license, she can ensure her classic car’s protection with this specialized insurance.

Case Study 2: Mark’s High-Risk Insurance

Mark has a suspended license due to previous traffic violations. Despite his suspended license, Mark needs car insurance to comply with legal requirements and maintain coverage. He is considered a high-risk driver and requires an SR-22 certificate.

Mark finds an insurance company that offers high-risk coverage along with the required SR-22 filing. By obtaining this specialized insurance, Mark can fulfill the legal obligations and maintain insurance coverage even with a suspended license.

Case Study 3: Tina’s Non-Driving Coverage

Tina has health issues that prevent her from driving. She relies on friends and family members to transport her to doctors’ appointments and other locations. However, she wants to ensure that these drivers are covered in case of an accident.

Tina searches for insurance providers who offer policies for non-driving individuals. She obtains a policy that lists a trusted friend as the primary operator of her vehicle. This way, Tina can have the necessary coverage for her transportation needs, even without a license.

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Insurance Without a License: The Bottom Line

Now that you know what kinds of coverages are available and what you have to do, you can get coverage and register your vehicle, even if you don’t have a license.

However, it can be more costly to purchase car insurance without a valid driver’s license.  You are also unable to drive the vehicle legally and may have to list a licensed driver as the primary operator of the vehicle.

It’s also important to shop around at multiple difference car insurance companies to find the right coverage to fit your needs. Enter your ZIP code now to find coverage today.

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