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Can I get car insurance without a license? [VIDEO]

  • Cars Explained
  • Renee Martin
  • 7 minutes

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Ever wondered if you could get auto insurance without a license? Sure, you can. However, it can be more tedious than the usual methods of buying car insurance. Let’s take a look.

There are several reasons why you may need a car even though you do not have a driver’s license. You could be a parent that needs a car so that your teen can practice driving. Or you could be suffering from some form of disability and require someone to drive you around.

Whatever the reasons, no law prohibits anyone from buying a car without a valid driver’s license. Nonetheless, you should be aware that driving without a license is illegal in all 50 states in the country.

While it is possible to get car insurance without a license, it can be a tedious process. Most insurance providers will require a copy of your valid driver’s license when applying for car insurance. So how do you get auto insurance if you don’t have a driver’s license? Let’s find out.

Can I get car insurance without a license?

As far as insurance companies are concerned, a driver without a valid driver’s license poses a huge risk to their business. Hence, most car insurance companies seek your driver’s license number before they let you buy car insurance.

However, even if you don’t have a driver’s license, you may be able to get car insurance. Some insurance providers will allow you to apply for coverage using the name and license number of the principal driver or primary driver instead of your own. Your insurance company will name you on the policy and cover your car, but you won’t be driving.

How to get car insurance without a license?

You can get car insurance without a driver’s license by adding someone to your policy if they live at your address, have a valid driver’s license, and are related to you. Sometimes, your insurance provider will even let you share a policy with your roommate, who has a valid driver’s license. 

Some providers will sell you car insurance if you name the licensed individual as the primary driver. Others might require you to list yourself as an excluded driver. This way, your insurance company will not be liable if you cause an accident behind the wheel.

Read: Know the basics of car insurance for teenagers.

Alternatively, suppose you own a car but don’t plan on using it. In that case, you might be able to drop liability and collision coverage and keep comprehensive-only coverage while it is in storage.

Comprehensive-only policy, or parked car coverage, covers damage to a car while it’s in storage and no one drives it. It covers your car from perils such as theft, vandalism, fire, flooding, and falling objects. This type of policy is a good option for car owners without a valid driver’s license as it is a lot cheaper than minimum liability coverage or full coverage.  

car insurance without a license

Tips to find the right insurance provider

Searching for car insurance without a driver’s license? Speak to an independent agent. They write car insurance policies for several companies. Hence, they may be familiar with local no-license car insurance providers. We recommend consulting as many agencies as possible, as rules and procedures may differ.

When getting a car insurance quote, be honest about your license status. When calculating your premium, insurers will run a Motor Vehicle Report (MVR), a record of your driving history. Using a fake or invalid driver’s license number could force your insurance carrier to drop you, forcing you to start over.

While finding car insurance without a license may be difficult, being honest about your driving situation can save you time and money.

Why would I need car insurance without a license?

There are many reasons why you may need car insurance even though you do not possess a driver’s license. Let’s take a look at some of the scenarios.

A chauffeur is driving you: If you’ve hired a chauffeur to drive you around in your car, you will need car insurance that lists them as the primary driver. Even though you aren’t driving the vehicle, you’ll need auto insurance to cover your chauffeur.

You have a learner’s permit: If you are a student driver, you will need to get behind the wheel from time to time to practice for your driving test. That means you’ll need auto insurance to protect yourself in the event of an accident. Since the car you drive needs to be covered, you will have to get insurance without a driver’s license.

Read: 8 tips to help you pass your driving test.

A student driver drives your vehicle: You may have just acquired a new car, but your teen will be driving it instead of you. However, before the age of 16, your child can only have a provisional driver’s license. As a result, you’ll need to purchase vehicle insurance to cover your child.

You own a classic car that you don’t use: If you have a registered vintage vehicle in your garage, you must get it insured in the same way as you would other valuable assets. This is required whether or not you have a driver’s license. 

Your driver’s license has been suspended: You will require SR-22 insurance to reinstate your driver’s license, whether it was suspended because you were caught driving without insurance or because you incurred too many traffic penalties.

Getting car insurance with a suspended license

There are several reasons why you may have your driver’s license revoked. These include a DUI conviction, repeated traffic offenses, or an at-fault accident without valid car insurance. In such instances, you can’t lawfully drive until your license is reinstated. However, this does not mean you don’t need car insurance.

car insurance with a suspended license

In fact, if your license has been suspended, you may require car insurance to prove to the state that you are protected. Your carrier must submit an SR-22 compliance form to the state to confirm your insurance coverage.

SR-22 car insurance 

An SR-22, also known as a “certificate of financial responsibility” or “certificate of liability insurance,” is a document that certifies to your state’s DMV that you have the required liability insurance coverage. It’s not a unique coverage; it’s just a regular auto insurance policy with an SR-22 form attached.

Any major insurer can file an SR-22 on your behalf, but they aren’t obligated to accept you as a client. You’ll almost certainly be classified as a high-risk driver, and not all insurance providers will cover you.

In fact, if your license has been suspended and you need an SR-22 form, you may have to shop around a while to find a provider that would sell you car insurance at a reasonable price. To learn more about SR-22 in car insurance, head here.

The bottom line

Finding an insurance company ready to insure your vehicle when you don’t have a driver’s license is one of the most difficult obstacles you’ll face. However, you should be able to receive the coverage you require if you put in enough time and effort to find the right insurer. If you’ve been searching for car insurance to protect your car, then click on the banner below to find the best car insurance quotes in your city.

Check out our blogs for info on finding top-rated airport parking, the best parking spots in your city, and affordable car washes near you.

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