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Getting auto insurance even if you don’t have a driver’s license makes sense in many situations. Not only is a vehicle a valuable asset when learning to drive, on a temporary break from driving, or for those who have never driven in their lives or never plan to. It is also heavy equipment whose operation can lead to costly accidents.
Here are some things to keep in mind when buying car insurance without a license:
Can I get car insurance without a license?
Yes, you can insure your car without having a driver’s license. Instead of a driver’s license, a state ID card, passport, or another form of photo identification such as a Matricula Consulate may be used to prove your identity for insurance purposes.
If you’re looking for auto insurance that fits your needs, be sure to compare rates from multiple providers. This ensures the best coverage at the right price.
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What is the scope of coverage for car insurance without a license?
If you do not have a valid driver’s license, you can purchase one or more of the following types of coverage.
- Minimum Liability Coverage to Meet State Requirements
- Additional liability insurance to protect yourself from lawsuits
- Comprehensive coverage to protect against damage and theft
- Collision compensation for car repair or replacement after an accident
Tips: If you’re having trouble getting coverage, some states give you the option to designate a friend or family member as the primary driver on your policy and yourself as an excluded driver. This policy is priced according to major driver records and must not drive a car at all.
How to get car insurance without a license
To purchase car insurance without a license, you must do the following:
- Find a car insurance company that offers it. You may need to look for non-standard insurers that are not insured by other insurers. A local insurance broker who sells policies from multiple insurers may help you identify your options. Also, several major insurance companies, including The Hartford, offer this coverage.
- Talk to your insurance agent. You may not be able to apply for insurance online without a valid driver’s license, but your insurance agent may be able to accept your application in person or over the phone.
- Select the type and amount of coverage you need. Comprehensive coverage may be all you need if no one drives your car. If someone else drives your vehicle, you should have at least the minimum liability insurance required by your state. You’ll probably also need collision coverage.
- pay a premium. You may find it easier to manage your premiums by opting for automatic monthly payments instead of paying six months or a year’s premium in advance. Another option is to increase the deductible amount.
Are unlicensed cars more expensive to insure?
Yes, car insurance can be expensive if you don’t have a valid driver’s license. If you don’t have driving experience, your insurance company may consider you a high-risk customer and charge a higher rate.
Similarly, if you don’t have a license due to a bad driving record, your car insurance costs can also increase. Some of the major violations that may result in revocation of your license include:
- unsafe vehicle driving
- speeding
- Cause of accident
- commit a hit-and-run
- Driving under the influence of alcohol or drugs
check out: How soon after a car accident can I file an insurance claim?
Why you need car insurance without a license
Even if you don’t have a license, you may need car insurance for the following reasons:
- You must register your car. Your state may not allow you to drive or park your vehicle on public roads if it is not registered.
- You have a learner’s permit. If you are learning to drive, the vehicle you are driving should be insured. Proof of insurance may be required to take a driving test, but unless you own a vehicle, the insurance does not have to be in your name.
- You don’t drive, but your child does. Children may not be able to sign an insurance policy before they turn 18. If you do not have active car insurance, we recommend that you purchase insurance in your own name where your child is listed as the driver of the vehicle.
- You collect cars, but you don’t drive them. Maybe you fix cars and enjoy admiring them in your garage.
- I have a revoked, suspended, or revoked license. This may be the case if a medical condition or disability renders you unable to drive safely, or if you are caught driving under the influence of alcohol.
When do you need to insure a car you can’t drive?
Paying for insurance for a vehicle you don’t drive may seem like an unnecessary expense, but if you still want a policy, here’s how.
- You need protection against physical damage and theft. Store your car overseas or own a classic car. Comprehensive coverage protects you from the risk of paying out-of-pocket for vehicle repair or replacement.
- someone else drives your car. I may not be able to drive for health reasons, but I would like my caregiver to drive me to the hospital or pick up groceries.
- You have a suspended license. A DUI conviction will prevent you from driving for several months. However, you may need someone else to drive your vehicle, and you may want comprehensive coverage. Maintaining ongoing insurance coverage also helps with pricing and availability at your next policy renewal. Some states require SR-22 insurance.
- I want to park my car on a public road. Proof of insurance is required to register the vehicle. Vehicles must be registered to allow street parking for licensed drivers.
- You want to avoid having your vehicle’s coverage lapsed. If you don’t continue your coverage, your premiums may increase later. Your state may also penalize you.
Continue reading: Medical expense coverage: what it is and how it works
Frequently Asked Questions
Here are answers to some of the most frequently asked questions about car insurance without a driver’s license.
Can I get a license plate without a license?
You don’t need a driver’s license to get a license plate. However, insurance or proof of financial liability is required to register the vehicle with the state. To get a valid license plate, you must register your vehicle.
How to register a car without license?
Check with your state motor vehicle department for instructions. A valid form of photo ID, proof of liability insurance, and other documentation that meets or exceeds state minimum requirements (such as a smog test certificate) may be required.
Why do insurance companies prefer licensed drivers?
Licensed drivers have a documented driving history. This history helps insurers assess a driver’s risk profile and price insurance accordingly.
Can I get auto insurance even if my license is suspended?
Not only can you obtain insurance with your suspended license, but you may also be required to obtain insurance under your state’s SR-22 law.
After a serious accident such as drunk driving, reckless driving, or uninsured driving, your state may require you to prove your financial liability. Your insurance company will submit this form on your behalf.
Disclaimer: All insurance related services are provided through Young Alfred.
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