Car insurance is an absolute necessity if you drive. In most states, it’s literally law. Car insurance protects you and others from paying out for injury or loss of a vehicle. The average cost of damage to vehicles involved in a car accident is a little under $5000.
It’s illegal to drive a car without a valid driver’s license, so most people wouldn’t even think about getting car insurance without having a license. It may be a pretty rare occurrence, but sometimes people may find themselves in a position where they are looking to get car insurance without actually having a driver’s license.
However, there are many reasons you may be in this situation, so we’re going to take a dive into the “whys” and more importantly, the “hows”.
Can I Get Car Insurance Without a Driver’s License?
To answer briefly, yes. Yes, you can. But why would you need to?
Let’s take a closer look at this.
Surprisingly, there are many reasons you may discover that you need car insurance without a driver’s license.
- You only have a learner’s permit.
- You need to insure someone else, such as a child.
- Your license has been suspended but you want to avoid a lapse in coverage.
- You own the car but don’t ever intend to drive it.
- You have temporary health conditions but want to insure whoever will be driving you.
Auto Insurance for a Learner’s Permit
Most states issue learner’s permits or temporary licenses to those who are still learning how to drive. Teenagers often learn to drive using their parent’s car, but they still need to be added to the insurance policy. In fact, most states require everyone in the household age 15 and older to be listed on your insurance policy — whether they drive or not.
What if you never learned to drive as a teen and are a fully-fledged adult with your own car but no license yet? Some companies will allow people to insure their car with only a learner’s permit.
Insuring Your Child When You Don’t Have a License
Teenagers can drive cars but often can’t afford to buy a car. Parents may choose to buy their kids a car and get insurance. Some states have a minimum age for people to own a car, so parents may keep ownership but let their children use it.
Additionally, in some states, it is the law that teens age 17 and under have a parent listed on their insurance. Therefore, parents may have to co-sign the insurance even if they don’t have a driver’s license.
Do I Need Insurance with a Suspended License
Another reason you may want to get car insurance without having a valid driver’s license is if your license has been suspended. This can happen for a number of reasons but is usually temporary. Just because you’re not allowed to drive, doesn’t necessarily mean you won’t own a car, and therefore need to keep it insured.
It’s also good to have insurance while your license is suspended because if you go a few months without insurance it may actually increase your premium when you get it back again. Because of this, it can sometimes be cheaper to keep paying for insurance even when you don’t legally require it.
Car Insurance for Hobby Cars
If you’re a collector of cars, you may not even be able to drive them. Luckily, there’s no law saying you have to have a driver’s license to collect cars — you just can’t drive them.
Collectible or vintage cars usually don’t come cheap, so you’re probably going to want an insurance policy on them in case of damage or theft. They may not be going out on the road but it’s worth looking into different types of insurance for your collection.
There are some companies that specialize in classic car insurance and others that simply offer specific coverage for your collectible or vintage car. Making sure you have the classic car coverage is important as vintage cars have different needs than newer models.
Other car insurance companies may offer ‘vehicle under construction’ coverage for people who buy cars to restore them back to their former glory. These coverage plans increase the amount of coverage to be in line with your car’s restoration stage.
Auto Insurance for People with Health Conditions
So, you’ve got a health condition that means you cannot currently drive? Maybe you have a broken limb or another temporary issue that doesn’t allow you to drive at the moment?
You still need to insure your car even if it’s not you who’s driving it. Also, keep in mind, if you have someone driving your car temporarily, that person needs to have a valid driver’s license.
How to Get Car Insurance Without a Driver’s License
It’s not as simple to get car insurance without a driver’s license as it is if you have a license. That doesn’t mean it’s impossible, though.
Follow our tips and advice to minimize stress.
List a Different Primary Driver
A primary driver is a person who drives the car the most and is typically the owner of the car or a co-owner. Some insurance companies need the primary driver and the person taking out the insurance to be part of the same household, but this varies by insurance company. It’s important to speak to agents to discuss your specific scenario and find out what they offer.
Use a Comparison Site for Finding the Best Car Insurance
Rather than having to call up every single insurance company individually to find out that they may not even be able to help you, consider comparing auto insurance rates online. Within a few minutes, you can enter all the information needed to get the best car insurance rates possible.
Look Into SR-22 Certificates
An SR-22 certificate is often required for ‘high-risk’ drivers. This is a certificate that acts as proof of liability insurance. People without a license are typically seen as high-risk drivers, so looking into SR-22 certificates may be beneficial.
Exclude Yourself From Your Car Insurance
Not all insurance companies allow excluded drivers, but if you go with one who does, consider excluding yourself. An excluded driver is a person that explicitly will not be covered by your insurance. By listing yourself as an excluded driver, you’re basically reassuring the insurance company that you won’t be driving without a license.
What car insurance can you get without a license?
One of the types of car insurance you can get without a license is parked car coverage. Another name for this is ‘storage coverage’, and this is for cars that won’t be used for extended periods. This is comprehensive coverage only. It doesn’t include liability or collision coverage.
Where can you get car insurance without a license?
The first step to getting car insurance without a license is comparing rates from different companies. Because you’re considered a higher risk, it’s important to get rates from several insurance companies so you can choose the one with the best rates.
What’s the best way to get insurance without a license?
The simplest way to get insurance without a license is to have someone who does have a license as the main driver on the policy. You can also list yourself as an excluded driver.
Can I get insurance with a suspended license?
Sometimes, you can. It might be more complicated than if you hadn’t had your license suspended, but it is doable. Some states will require people who have had their license suspended to apply for an SR-22 to prove that you have the minimum car insurance requirements.
Can I register a car or get a license plate with no license?
Some states allow you to register a vehicle without a license. The paperwork and whether or not you have to have car insurance before you register the car will vary from state to state. You should call your local Department of Motor Vehicles to find out exactly what’s needed in your state to register your car.
Getting Car Insurance without a License: The Bottom Line
It’s possible to get car insurance without a license, and there are a surprising number of reasons that a person may need to.
Whatever your reason for doing so, always shop around to make sure you’re getting the best deal. Use the Agile Rates website get car insurance policy quote from multiple companies quickly.