In New York State, it is possible to buy and register a car without a license. However, getting insurance without a license can be challenging regardless of which state you live in.
Buying a Car Without a License in New York
Yes, you can buy a car in New York without a license. However, you won’t be able to test drive it or take it off the lot after the purchase. The law does not require a valid driver’s license to buy a car, but you will need a government-issued ID to complete the transaction and register the car.
There are several reasons why someone might want to purchase a vehicle without a license:
- If you have a disability and need a car for a caregiver to drive.
- If you own a business and need a vehicle for licensed employees to use.
- If you have a minor child who has a license but cannot legally finance a vehicle.
- If you have a designated driver.
Registering a Car Without a License in New York
The quick answer is no, you cannot register a car without a license in New York. According to the New York State Department of Motor Vehicles, a driver’s license or learner’s permit is not required for vehicle registration or obtaining a certificate of title in New York. These requirements also apply to registering other vehicles such as boats, snowmobiles, or ATVs.
However, obtaining a driver’s license offers additional benefits. A study by the Tax Policy Institute estimates that if every qualified driver in New York had a license, every driver could save $17 per year on their auto insurance policy.
Registering a Car with a Suspended License in New York
In New York, you can purchase and register a car without a license as long as you have a valid government ID. However, just because you can register a car doesn’t mean you can drive it. Driving with a suspended license is a serious offense that can result in high insurance premiums, jail time, and a longer license suspension.
If your license is suspended, it is advisable to explore the option of obtaining a license in another state.
Online Car Registration in New York
Unfortunately, online car registration is not possible in New York. If you buy a car from a dealer, they will handle the registration process for you. However, if it’s a private transaction, you’ll need to visit the DMV to complete the registration.
Registering and Insuring a Car with a Permit in New York
Yes, you can register a car with just a driver’s license. However, insuring it can be more complicated without a license or permit.
Buying a car with a permit is challenging because most permit holders are minors. Car dealers typically do not sell to minors, and car insurers are unlikely to provide coverage to underage drivers. Car insurance is considered a contract and cannot be legally obtained until the age of maturity, which is usually 18.
Insuring a Car Without a License in New York
It is possible to insure a car in New York without a valid license, but it may be more difficult. In this case, you may need to be listed as an excluded driver on the policy. This means that if you drive the car, you won’t have coverage, and you will be solely responsible for any damages caused.
Not all insurers allow the owner to be excluded from their own policy, so it’s important to shop around for the right coverage. Some insurance companies, like Esurance, allow someone else to insure your car even if they have no insurable interest in the vehicle.
Minimum Insurance Requirements in New York
All states have minimum car insurance requirements to drive legally. In New York, the law requires automobile liability insurance coverage. The minimum amount of liability coverage in New York is:
- $10,000 for property damage per accident.
- $25,000 for bodily injury and $50,000 for death of one person involved in an accident.
- $50,000 for bodily injury and $100,000 for death of two or more people in one accident.
To meet New York requirements, your liability insurance coverage must remain active as long as the registration is valid, be issued by a company licensed by the New York State Department of Financial Services, and be in the name of the vehicle’s registrant at all times.
Navigating the complexities of car insurance without a license can be overwhelming. Consult with experts to find the cheapest and most suitable auto insurance in New York.