Another option is to get parked car insurance if you won’t be driving your car at all. And if your license is suspended, you can get SR-22 insurance instead. Whichever option you choose, you will not be covered for damage if you drive your car.
how to get car insurance for unlicensed drivers
By law, it is not necessary to have a driver’s license to obtain insurance. however, most insurers will not cover an unlicensed driver. Most national insurers, such as Geico, State Farm, Progressive, and Allstate, will not offer you a quote without a license. A handful of companies offer policies to unlicensed drivers, including Hartford.
Reading: How to get insurance with no license
You should get quotes from small and regional companies or contact a local independent agent who may be familiar with insurers that provide policies to unlicensed drivers. you may need to call insurers directly, as you typically need to provide a valid license number when you buy car insurance online.
list yourself as an excluded driver
The key to getting auto insurance without a license is to purchase a policy that lists you as an excluded driver. this reduces the risk to the car insurance company because you and your vehicle will not be covered if you drive the car and have an accident.
Please note: If pulled over, you will be treated as if you were driving without insurance, which could result in fines and vehicle impoundment. you will have to pay for any damage out of pocket.
It is not uncommon for the policyholder and vehicle owner to be different from the primary driver on an auto insurance policy. this is sometimes the case for older drivers or people with health problems. In these situations, a caregiver may need to be listed as the primary driver on the car owner’s auto insurance policy.
When determining the primary driver on the policy, auto insurance companies will use motor vehicle registrations along with other factors to set their rates.
change your car registration to get insurance
If you can’t find an insurer that will sell you a policy because you don’t have a license, you may want to consider adding a licensed driver as a co-owner of your vehicle on the registry. this will likely increase the chance of insuring your vehicle, as vehicle ownership is a common requirement for obtaining insurance.
Changing your vehicle registration to reflect the change in ownership is fairly simple and usually involves visiting your local dmv, filling out a form, and paying a fee.
get parked car insurance
You can also secure a car when it’s mostly parked in storage. Parked car coverage, also known as stored car insurance or comprehensive policy, only provides comprehensive insurance. This covers damage to a car while it is in storage and not being driven. the policy would cover:
An auto insurer may not require you to have a driver’s license for parked car insurance, since the covered vehicle will not be driven at all. This type of policy is also cheaper than typical auto insurance policies that include liability coverage.
However, similar to listing as an excluded driver, you will still be considered uninsured if you drive your car while only having car insurance parked. Your policy only covers damage to your car while it’s in storage and won’t pay for any damage if you’re in an accident while driving.
how to get car insurance with a suspended license
If your license is suspended, your options differ from those of drivers who have never had a driver’s license or have had it revoked. License suspension is often the result of a serious traffic violation, such as driving under the influence (DUI) or driving without insurance. Usually, the driver must obtain SR-22 insurance to reinstate driving privileges for him.
If you want to save money while your license is suspended, consider getting parked car insurance or a non-owners policy instead of canceling your policy entirely. By maintaining comprehensive insurance, you can avoid a gap in coverage, which can cause your insurance to increase in the future and could lead to you being denied coverage by most reputable insurance companies.
how to buy a car without a driver’s license
Similar to buying car insurance, you don’t need a driver’s license to buy a car. however, you cannot test drive a vehicle or drive it off the lot without a license. And while it may be allowed, you’ll usually have a hard time finding a car dealer willing to offer financing if you don’t have a license. You’ll probably have better luck with a local bank that doesn’t require you to have a license for this type of car loan.
how to register a car without a license
To register a car, you don’t necessarily need a license. In most states, you can register your vehicle with your state DMV by submitting the correct paperwork, paying a fee, and providing proof of insurance.