If you have a car, you need car insurance, even if you don’t have a license. Although it can make the process easier, you don’t need a driver’s license to get car insurance. Understanding when and how to get car insurance without a license will help you avoid potential problems, like being ticketed for not having car insurance when you should or having your registration suspended.
how to buy car insurance without a license
It is possible to buy car insurance as an unlicensed driver. however, keep in mind that many insurance companies do not offer unlicensed driver insurance or require additional steps if they do. While working with an insurance agent can help you buy car insurance without a license, here are some ways you can get car insurance without a license.
1. ask for an sr-22 certificate
If your license is suspended, you may be required to file an SR-22 form or the equivalent in your state. An SR-22 certificate is proof of liability insurance that is required for drivers labeled “high risk.” Although not all auto insurers offer it, you may want to research which companies accept SR-22 if you need to get one. this could be valuable if you are trying to buy car insurance when you don’t have a license because you would be labeled a high risk driver in this category.
2. buy a policy with someone else as a registered driver
A primary driver is the person who owns the vehicle or is a co-owner of a vehicle who drives plus the car.
If you have a car, but don’t drive it, such as in a chauffeur-driven situation, you may be able to list someone else as the primary driver. Some insurance companies may require the driver to be part of your household, but talk to a licensed agent representing your insurer to determine their requirements. You’ll need the driver’s identification information and driver’s license number, but the owner of the car must also be listed on the policy.
3. be listed as an excluded driver on the policy
An excluded driver is someone your auto insurance won’t cover. For example, if you have been listed on the insurance policy before, but no longer wish to be listed, you can be excluded from the policy by asking the insurer to exclude yourself, although not all insurance providers allow exclusion of drivers.
If you don’t have a valid driver’s license, it can be difficult to purchase car insurance. however, you may be able to get coverage if you list someone else as your primary driver and are listed as an excluded driver on the policy.
You can add yourself as an excluded driver on the policy by informing your auto insurer that you want to exclude yourself from the policy and add someone else as a primary driver.
4. add a co-owner
Getting auto insurance without a license can be more difficult than with a valid driver’s license. One way to make it easier is to add a co-owner or family driver to your car insurance policy. this person will be the primary driver listed on the policy and rates will depend on your driving record and claims.
If the driver also co-owns the car, they must be listed as the driver, even if they have a license. without having a valid license, the insurance company will probably want to list you as an excluded driver. If he gets his license after getting the policy, he can talk to his insurance company or agent about removing the exclusion so he can drive the car and have valid insurance when behind the wheel.
5. parked car coverage
If you plan to store your vehicle in a garage for an extended period of time, you may want to add Parked Auto coverage. You may also see it commonly offered as “storage coverage.” Leaving your vehicle for an extended period of time unattended can be risky, especially if there isn’t a valet or security guard on site to watch your car.
By adding storage coverage or getting optional comprehensive coverage, you’ll be protected if your vehicle is stolen, caught on fire, flooded, or damaged in a covered incident.
reasons to take out car insurance without a license
It may sound strange to suggest that someone who won’t be driving needs car insurance, but aside from car insurance being a legal requirement in most states, there are scenarios where having an unlicensed policy might be just the thing. best for you. . You may want to consider purchasing an unlicensed auto insurance policy if the following situations apply to you:
health reasons prevent you from driving
If you have a health condition that prevents you from driving, you may want to consider protection, even if you won’t be driving your vehicle for the time being. If you’re going to store your car for a while and your license expires while it’s recovered, you may still want auto insurance to protect you and your vehicle in case something happens to your car while it’s in storage.
You may also want to keep an auto insurance policy if you think you might drive again in the future to avoid a gap in coverage, which could cause your rate to be higher when you need insurance again. Maintaining affordable car insurance rates can be much more difficult if your car insurance lapses.
drive you to and from appointments, work, or anywhere else
If you are a senior who no longer has a valid driver’s license or are uncomfortable driving, a younger relative or caregiver may replace you as your driver.
Even if you’re not the primary driver of your car, you still need auto insurance to cover your vehicle. Because the average cost of car insurance generally increases with age, it may be cheaper to let someone else be the primary driver of a vehicle in your name. however, listing another person as the primary driver of the vehicle will not always be an option if the person driving the vehicle does not live in your household.
are you a student driver or just have a provisional license
Teen drivers with a learner’s permit are required to have car insurance, even if they technically don’t have a license. student drivers usually learn to drive in their parents’ vehicles, which are usually already insured. The insurance company may require the student driver to be listed on the policy, although a teen with only a permit will usually be listed at no charge until she receives her license.
you don’t drive, but your student driver does
Suppose you buy a car for your teen’s 16th birthday before he gets a driver’s license. Even if no one drives the vehicle yet, the car will still need to be insured. In almost all states, you will not be able to register the car with the Department of Motor Vehicles unless you can first show proof of insurance. And if your teen isn’t old enough to be on his own policy, he’ll need to be listed as a driver on someone 18 or older’s policy. Adding a teen to your policy can significantly increase your rates, so you may want to shop around and compare auto insurance quotes to see which company offers you the lowest rate.
you own an old vehicle that you don’t drive
If you buy an old car that sits in your garage, you still need to have insurance if you want to be financially protected against damage or theft. Even if you don’t intend to get behind the wheel, you may want to purchase a policy that covers only comprehensive claims (in addition to standard liability). this will protect your vintage car against damage caused by animals, weather events, theft, fire and vandalism.
your license is suspended
If you are charged with driving under the influence of alcohol or have an imperfect driving record, your license may be suspended. If that’s the case, you may not be able to reinstate your license until you’ve shown financial responsibility with an SR-22 certificate. An SR-22 is not a type of insurance, but it is a certificate issued by your insurer that proves to the DMV that you have the minimum amount of liability insurance required by your state.
frequently asked questions
can you buy car insurance with a suspended license?
Do I have to have insurance if I have a car but no license?
How much auto insurance do I need?
how do I buy a car without a license?