It may seem absurd to purchase a policy of car insurance if you don’t have a valid driver’s license. Many drivers believe that a valid driver’s license is the only reason they need auto insurance. This is not always true.
Even if you don’t have a valid driver’s license, you can still get car insurance. However, it may be more difficult to find an insurance company that will cover you if you don’t have any license insurance. When you inquire about buying an auto policy, the insurance company will usually request your driver’s licence number. If you don’t have one, it could make things more difficult for both the carrier and you.
In certain circumstances, however, it is possible to purchase car insurance without a driver’s license.
Car insurance that doesn’t require a license: Reasons
Although it may seem odd to suggest that someone who does not drive a car would need auto insurance policy, there are situations where this might be the best thing for you. If you find yourself in one of these situations, it may be worth looking into no-license auto insurance policies.
You cannot drive if you have a medical condition
You may want to consider coverage even if your health is not allowing you to drive. You may need car insurance if you store your vehicle for a time and your license expires.
If you are a likely driver, you might also consider keeping an auto insurance policy. This will prevent you from losing coverage and could increase your rates when you need it again.
You will be driven to work, appointments or any other place.
You might consider having a caregiver or younger relative take your driving duties if you are a senior and have lost your license.
Even if you’re not the primary driver of your vehicle, you still need to have auto insurance. Car insurance premiums are generally higher for drivers who are older than 65. However, this is not an option unless you are a member of your household.
You are a student driver, or you only have a provisional licence
Even though they may not be technically licensed, teens who hold a learner’s permit must have auto insurance. Students learn to drive on the vehicle of their parents, which is usually insured. Parents should however consider adding the student driver to their auto policy as a provisional driver.
Your student driver is able to drive but you don’t.
Imagine that you buy a car for your 16-year-old son or daughter when they get their driver’s license. Auto insurance is required even if the vehicle won’t be driven by you. The department of motor vehicle in almost all states will not allow you to register your car unless you have proof of insurance. If your teenager isn’t old enough to have their own insurance, they will need to be listed on the policy as a driver.
You don’t drive a vintage car.
You need insurance if you buy a vintage car and it sits in your garage. This will cover any potential losses, such as a tree falling on the garage or smashing the windshield, or even a fire. It is better to get collision insurance for injuries. You may consider purchasing optional comprehensive auto insurance to protect against theft or vandalism, even if you don’t plan to drive the car.
Your license has been suspended
Your license may be suspended if you are charged with DUI or have a poor driving record. You will not be able to get your license back if you show proof of financial responsibility with an SR-22 Certificate . An SR-22 certificate is not insurance, but a document that shows that you have the minimum liability insurance that your state requires.
How to purchase car insurance without a driver’s license
You can buy auto insurance without a driver’s licence. Insurance companies don’t often offer this option, or may require additional steps if they do. These are some tips to get you started.
Ask about an SR-22 Certificate
If your license has been suspended, then you will need to file an SR-22 Form or the equivalent for your state. If you need to obtain SR-22 certificates, it is proof that you have liability insurance. This certificate could prove valuable if you’re trying to purchase car insurance without a license. You would be considered a high-risk driver under this category.
As a listed driver, you can buy a policy together
Primary driver is either the owner or joint owner of the vehicle. The person who drives the most often is called the primary driver.
You may be allowed to list another driver if you don’t own a car, but you do not drive it. A driver can be any licensed driver. The policy must include the driver’s license number and identifying information. However, the policy must also list the owner of the vehicle.
You can be listed as an exclusion driver
Excluded drivers are people who are not covered by your auto insurance. If you are a former insured and do not wish to be added again, you may be exempted from your policy by asking the insurer. However, not all insurance companies allow excluded drivers.
It can be difficult to get auto insurance if you don’t have a valid driver license. You may still be eligible for coverage if another driver is listed as your primary driver.
By notifying your auto insurance, you can add yourself to the policy as an exclusion driver and allow another driver to be added as the primary driver.
Coverage for parked cars
You may need to purchase parked car coverage if you plan on parking your car for a long time. It can be dangerous to leave your car unattended, especially if you don’t have a valet or security guard.
You can add parked car coverage to your policy or get optional comprehensive coverage. This will protect you if your vehicle is damaged, stolen, set on fire, or flooded by an insured incident.
How to buy a car with no license
Although technically you can purchase a vehicle without a driver’s license, it will not be simple. Although it is easier to purchase a vehicle if you have a license, the process can still be difficult. The rules of the dealership will determine the parameters within which this can occur. To close the deal, you may be required to provide proof of insurance immediately. Without proof of insurance and a license, you will not be permitted to test drive the vehicle. You can buy cars without a license. However, you’ll need to ask around to see what options are available in your area.
A licensed driver must be able to drive the vehicle off the lot.
Questions frequently asked
Is it possible to purchase car insurance with a suspended licence?
You can purchase certain types of car insurance even if you have a suspended license. To get your license restored, your insurer will likely need to file an SR-22 certificate in your state. SR-22s are required for high-risk drivers who have the minimum amount of liability coverage in their state.
Do I need insurance if I own a car, but not a license or vehicle?
No, you must insure any vehicle that you will drive, even if your driver’s license is not valid. It is a requirement in nearly every state.
What amount of car insurance do you need?
Nearly every state requires that drivers have at least some car insurance. Many states require that drivers have bodily injury liability coverage as well as property damage liability coverage. Some states also require drivers to have uninsured/underinsured motorist coverage, and/or personal injury protection (PIP). Make sure to research your state’s requirements and determine what coverage you might need to protect your finances before you buy auto insurance.
