You don’t need car insurance if you don’t have a driver’s license. Isn’t that correct?
Well, not all the time.
Some people who are unable to legally drive may require automobile insurance, which is sometimes required.
You might have a car that someone else is driving, or you may have a learner’s permit. Basically, these are two reasons people without a driver’s license must get insurance.
Normally, getting car insurance without a driver’s license may be challenging. Most insurance companies require information from your driver’s license. You’ll have to put in some effort if you don’t have one or if the one you do have is no longer valid.
This article is a full guide on How to get car insurance without a license. Carefully read!
Table of contents
Is it possible to get car insurance without having a driver’s license?
While some insurance companies will refuse to cover someone who does not have a driver’s license, others will. However, it may be more expensive than hiring a licensed driver.
This is because vehicle insurance firms base their prices on your driving record during the previous three to five years.
If you don’t have a driving record, suspended license, or you haven’t had a license in a long time, you’ll be considered a higher risk, which means higher auto insurance premiums.
Another reason you’ll pay extra is that insurers consider an insurance “coverage gap” to be a higher risk.
This is a period when you do not have insurance, such as when you cancel a policy before a new one is in place or when you are between cars.
As a driver with continuous coverage, you’ll typically pay less than someone with a coverage gap.
Is buying an automobile without a driver’s license legal?
Well, it’s legal, but the process is cumbersome. You must first obtain a vehicle before purchasing a car insurance policy.
Some vehicle dealerships carefully enforce driver’s license requirements requiring proof of insurance.
Before enabling you to take a test drive, some vehicle dealers will demand a photocopy of your insurance card and driver’s license. Some dealers will just focus on selling their cars other than testing your driving skills.
Above all, it’s easier to buy a car without a license than it is to acquire insurance for one. This is because the dealership assumes responsibility after the sale is made.
Why I might Want to get Car Insurance without a Driver’s License
There are many reasons to get car insurance, even when you don’t have a driver’s license.
The process can be very challenging, although it’s possible. Therefore, you need a local insurance agent and the best car insurance providers. Working with the best insurance agent and company can help make the process much easier for you.
You can no longer drive
You may possess a car for transportation if you are disabled or no longer able to drive, but have someone else drive you, such as a family member or caretaker. However, if you are listed on the policy as an unlicensed driver, your premiums may be higher.
One solution is to purchase an insurance policy and make yourself an “excluded driver” by listing your driver as the principal operator.
The benefit of declaring yourself as an exempt driver is that you will not be charged greater charges than if you were labeled as an unlicensed driver.
The disadvantage is that if you do drive your car and are involved in a car accident, you will be without insurance.
Excluded driver policies differ by insurance company and state. Driver exclusions are not permitted in several states. If your state allows driver exclusions, you’ll need to fill out a “named driver exclusion” form.
You’re insuring an automobile for a small amount of money
Many lenders will not lend to drivers under the age of 18, making it impossible for a juvenile to purchase a vehicle.
Even if you don’t have a license or intend to drive the car yourself, you might buy a car to assist a young driver in this case.
On your auto insurance policy, you may list yourself as an excluded driver and your young driver as the primary operator. The rules for excluding a driver, however, differ by state and corporation.
You’re a car collector or you’re storing an automobile.
There is no law prohibiting someone without a driver’s license from collecting automobiles. For example, you may have purchased a classic car to restore but will not be driving it on public roads.
It’s worth checking into classic automobile insurance if you possess a vintage, antique, or replica vehicle.
Some antique automobile insurance providers offer coverage for spare parts and automotive tools, as well as “vehicle under construction” coverage, which boosts your coverage limits regularly to keep up with your restoration progress.
You’ll still need auto insurance if you’re storing a car that isn’t classified as a classic. You might be an excellent candidate for a comprehensive coverage-only policy. Fires, floods, hail, vandalism, theft, and falling items are all covered by comprehensive insurance.
However, if your automobile is operated on public roads, a comprehensive-only policy will not provide adequate coverage. If the car is driven, most states require liability insurance. Property damage and bodily injury to others are covered under this policy. You could risk financial ruin if you or someone else driving your automobile causes an accident without liability insurance.
Your driver’s license has been suspended or revoked for a variety of reasons.
Your state or a court order may force you to obtain “SR-22 insurance” if your license has been suspended or revoked owing to your driving records, such as a DUI conviction or too many traffic offenses.
An SR-22 is a form that your insurance company is required to file with your state to demonstrate that you have met the state’s minimum car insurance requirements.
Non-owners automobile insurance is a viable option to satisfy an SR-22 requirement if you don’t own a car.
Is It Possible To Obtain Insurance While Your Driver’s License Is Suspended?
You won’t be able to drive lawfully if your driver’s license is suspended, but that doesn’t mean you won’t need auto insurance. If your driver’s license has been suspended due to a DUI, DWI, or a serious accident, you may require auto insurance to reinstate it.
To verify that you have insurance, your automobile insurance provider may be required to submit an SR-22 form on your behalf. This certificate attests to the fact that you have the bare minimum of liability insurance required by your state.
You can request one of these documents from your current vehicle insurance carrier and have it attached to your policy. If your insurer cancels your coverage, you’ll have to look for a new insurer who will draft an insurance policy and provide the SR-22 form.
If your license has been suspended, you may be classified as a high-risk driver. It may be more difficult to find a car insurance company prepared to deal with you as a result of this. Even if you can find coverage, your premiums may be significantly higher than they would be if your license hadn’t been suspended.
How Much Automobile Insurance Do I Require?
Most jurisdictions require a minimum level of coverage to drive legally, but the Insurance Information Institute estimates that one out of every eight drivers in the United States is uninsured.
Many states require drivers to have property damage and bodily injury liability insurance, and some states may also mandate uninsured motorist coverage or personal injury protection.
Uninsured motorist coverage ensures that you are covered if your automobile is hit by someone who does not have insurance; otherwise, you may not be able to recover damages.
If you have “uninsured/underinsured motorist” coverage, you can file a claim with your insurance provider for your injuries or losses.
Without a driver’s license, how can you get car insurance?
If you don’t have a driver’s license but still require car insurance, there are various options available to you. These are some of them:
Find a different driver
The simplest solution is to name someone else as the primary or primary driver on the insurance policy. A valid driver’s license or learner’s permit is required.
The individual who will be driving the insured vehicle is known as the primary or principal driver. This could be a:
- Spouses
- Childs
- Siblings
- Caretakers
- Roommates
- Parent
- Alternatively, anyone else who intends to drive the vehicle.
You’re informing the insurance company that you won’t be driving by naming someone else as the primary or principal driver.
If your insurer is concerned about you getting into an accident while driving without a license, this can provide some reassurance.
This may make it easier to get authorized for a policy and avoid paying high insurance costs.
Remove yourself from the policy as a driver
If the insurance provider still refuses to cover you, even after you’ve designated someone else as the primary driver, you have another option: You can request to be included on the policy as an excluded driver.
Also, if you are an excluded driver, your vehicle insurance policy will not cover you or pay any claims related to an accident if you do drive the car.
Then, if you choose to exclude yourself, the auto insurance provider may be persuaded to cover the vehicle based on the primary driver’s driving record.
Keep in mind that the insurance rates you pay will be determined by the primary driver’s driving record. As a result, when selecting a primary driver, look for someone with a clean driving record free of accidents or tickets.
Get a parked automobile policy
A “parked automobile,” or “storage,” policy is another option for receiving car insurance without a driver’s license.
This form of coverage protects your car against damage that may occur while it is parked and is based on the assumption that it is not driven frequently.
For example, the policy could protect you from the following risks:
- Theft or vandalism are two different things.
- Fire
- Water damage and flooding
Can You Get Insurance With A Suspended Licence?
Rarely will the insurance company offer a policy to protect your vehicle in case your license is suspended. However, you need to find an insurance provider who is ready to offer a high-risk cover for your car.
This may cost you more, but you still get to buy a car and insure it. That said, provide the primary driver details or verification during claims.
Now, you may ask “How to get my license reinstated?”. The answer depends on the transport department or authorities about revoking the suspended license.
You need to check with the respective Regional Transport Office (RTO) to find out the procedure to get your suspended DL revoked.
FAQs
Yes, in general. Even if you don’t have a driver’s license, you can buy the insurance and register a car. However, you may need to add yourself to the insurance as an excluded driver, and not every insurer will sell you coverage.
If someone else is driving a car you own or if you still have your learner’s permit yet own a car, you may need auto insurance without a license.
The most dependable way to receive insurance without a driver’s license is to add another driver to the policy who has one. In this instance, insurers are more likely to provide you with a quote.
Yes, in most cases. If your license has been suspended or revoked, you may need to purchase insurance with an SR-22 certificate of responsibility to register your vehicle and reinstate your license.
Yes. In most jurisdictions, you can register your automobile without a driver’s license as long as you have the required documents, which include proof of insurance and a valid ID.
Yes, as long as you and the primary policyholder share an address, you are expressly named on the policy, and the insurance company is fine with your unlicensed status or license suspension. If your driver’s license isn’t valid, you can have trouble finding an insurance company.
Suspension of your driver’s license occurs when you break one or more traffic regulations, and enforcing authorities have the authority to cancel your license. You can contact the relevant transport authority (RTO) to find out how to revoke your license.
Conclusion
It’s more difficult to get auto insurance without a driver’s license than it is with one, but it’s not impossible.
Prepare to give someone else’s name as the primary driver while looking at vehicle insurance possibilities.
Also, compare coverage costs from other insurers, especially if you need an SR-22, to ensure you’re getting the best deal.
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