Car Insurance for People Without a Driver’s License

Without a driver’s license, why would you need car insurance? Purchasing a car does not necessitate the possession of a driver’s license. Buying a car to give as a gift may necessitate the purchase of an insurance policy. The license could be revoked for a variety of reasons, but you could have a vehicle in your name. Even if you don’t have a driver’s license, it’s still a good idea to get car insurance.

Insuring a vehicle is difficult without a valid driver’s license number in hand, however. To determine if you’re a high-risk driver, insurance companies use your license plate number. If you decide to drive without a license, they’re concerned that they’ll be on the hook for any accident-related expenses. For this reason, you may have to look beyond the well-known insurance companies. You may be able to get a non-standard insurance policy.

Without a driver’s license, who needs car insurance coverage?
Even if you don’t have a driver’s license, you may still be required to have car insurance in these situations.

You’ll need a chauffeur to get around: You may not be able to renew your driver’s license due to a medical condition. However, you still want to keep the car’s title in your name while a driver takes you to your destination. Even if a different person than you is driving, the insurance will cover accidents and injuries if you get the right policy. Because insurance policies follow the vehicle, not the driver, this is the reason. 1 In contrast to having a member of your family drive you around, which may not necessitate insurance, hiring a chauffeur is a more formal arrangement (more about that later on).
You’ve got young drivers on the road: It’s possible to buy a car for your teenager, but keep legal control of it until he or she is old enough.
You have a classic car: Car collectors and high-end vehicles can be insured against theft.
Currently, you are licensed on a provisional basis: Adults in some states must first obtain a learner’s permit before they can apply for a driver’s license. It is possible to obtain car insurance with only a provisional driving license from some companies.
Preventing coverage lapses is important: When you go to buy insurance again, these can raise your premiums.
Your driving privileges were revoked or suspended: If your driver’s license was revoked, the state or court may require you to file an SR-22 or FR-44 to get it back. They show that you have the insurance coverage that is legal in your state. If your driving privileges have been revoked, you may still need “parked car” insurance to protect your investment. It makes sense to keep it safe while you’re in charge of it.
If an accident occurs in a vehicle that you own, you must show that you have the financial means to cover the costs of the repairs or replacements.
To put it another way, an average of $9,500 is spent on a two-car fender bender. What happens if someone gets hurt? That works out to an average of $23,000 per victim. The average death benefit is $1.66 million.

Is it Possible to Get Car Insurance Without a License?
When it comes to getting car insurance, there are a few main options for people who don’t have a driver’s license.

What is the primary driver’s name?
If they live at your address, have a valid driver’s license, and are related to you, you can add them to your policy.

Your roommate may even be eligible to share a policy.

You may be able to get car insurance if you name a licensed driver as the primary driver. It’s possible that other people will want to exclude you from the list of exclusions. Insurance companies aren’t liable if you cause an accident while driving. 

A person who does not live with you or who is not related to you cannot normally be added to your insurance policy.

It’s best to call the insurance company to find out what’s allowed for family members who live at different addresses.

Make a Licensed Driver a Co-Owner of Your Vehicle
For a paid-off vehicle, adding another person with a license to the title is a good option. Unless the loan is paid in full, most lenders will hold the title to the vehicle. In order to add a co-owner to the title, you may have to seek their permission first. 9 However, even if your lender permits it, some insurance companies will only insure the person who currently has the car loan in their name.

Get a Parking Policy for Your Vehicle
It’s possible to drop liability and collision coverage if your car will be parked or stored in a garage or storage facility.

This coverage protects a vehicle in storage from theft, fire, and other perils. However, if you’re still financing your car, you may not be able to make this change. Certain insurance policies may be required by lenders.

Insuring a car without a driver’s license is possible with what companies?
Five national insurance companies’ customer service departments received our calls. When we inquired about auto insurance, State Farm and Liberty Mutual told us that, depending on the situation, we’d need a current driver’s license in order to proceed. Both Progressive and Nationwide had a variety of choices. We were told that if another person was listed as an additional driver on the policy, they could, for example, provide us with car insurance for a senior citizen without a license. However, Allstate confirmed that we couldn’t get car insurance with only a provisional license and advised us to speak with local agents to discuss our options.

Calling insurance companies directly is the best way to find out if they will cover your situation. In order to get accurate online quotes, you will need to provide your driver’s license information.

Non-standard car insurance can be difficult to find from national companies, so if you’re having trouble, it’s worth looking into local or smaller agencies that offer it. They may be more willing to accept high-risk drivers than traditional insurers.

Purchasing a Vehicle Without a Driver’s License
Are you considering purchasing car insurance because you plan on purchasing a vehicle in the near future? What to do if you don’t have a driver’s license at the moment is as follows:

To buy a car without a license, check with your local DMV to see what documents you’ll need.
To make sure you’ll be covered and to find out what the requirements are, call the insurance companies.
Let your local dealership know that you’d like to buy a car without a license by contacting them. Depending on the nature of your purchase, you may have to work with a sales manager.
The Verdict
Without a license, it’s not impossible to get car insurance. However, it’s possible that you’ll have to contact several insurance companies before you find one willing to work with you. If you’re having trouble getting a national insurance company to help you, you may want to look into smaller or local companies that specialize in non-standard insurance.

Most Commonly Asked Issues
If you don’t have car insurance, what are your options?
There is no protection for you or your assets if you get into a car accident without insurance. Repairing your car or paying for your own medical expenses may be out of your reach, and the other driver may even sue you for damages. If you don’t have liability insurance, you’ll be in trouble with the law, as most states require it for all drivers.

What kind of car insurance should I get?
Every driver in every state but New Hampshire and Vermont must carry liability insurance. However, most drivers will need to purchase additional insurance to protect themselves and their passengers if they are involved in a collision. Make an appointment with your insurance agent to go over your options and make sure you’re ready for anything.

It’s not clear how long you can go without insurance on your vehicle.
In the absence of driving, you are exempt from purchasing car insurance for an indefinite period of time. If you don’t have proof of insurance, you may not be able to renew your vehicle or driver’s license in some states.