WHAT YOU SHOULD KNOW
- You may be able to get auto insurance for unlicensed drivers
- Many insurance companies could refuse to cover you without a valid driver’s license
- Shop online and compare quotes to find the best rates for car insurance without a license
If you don’t have a driver’s license, you may assume you can’t get insurance coverage for your vehicle. Fortunately, some companies will allow people without a driver’s license to get car insurance under specific conditions.
To find the best auto insurance companies in your area that offer coverage to people without a driver’s license, you should shop online and compare quotes. Doing so will help you determine which company provides the coverage you want for the best price.
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Can I get car insurance without a license?
You can get car insurance without a license, though why you’re without a license may determine whether you’re eligible for coverage with most insurance providers.
Still, finding cheap auto insurance without a driver’s license is possible with certain companies. Having proper insurance on your vehicle does not mean you’re allowed to drive. You won’t be able to drive an insured car until you have a valid, U.S.-issued driver’s license.
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How to Get Auto Insurance for Unlicensed Drivers?
Because many companies won’t offer coverage to someone without a license, you will probably have to research to find a good company willing to cover you. However, you can do a few things to find proper coverage quickly.
Ask About SR-22 Coverage
If you have a suspended driver’s license, you may be required to file an SR-22 with your state to prove financial responsibility. You can search for a company in your area that provides SR-22 filings and purchase coverage with that company.
Your state should eventually reinstate your license, and you should be able to drive with the insurance coverage you have on your vehicle. However, remember that your rates will likely be higher than average because you’re considered high-risk.
List Someone Else As the Driver
If you own a vehicle, but someone else drives you around, you may be able to list that person as the primary driver on the policy.
Most companies require that a primary driver lives in the same household as the car owner. Still, you can speak with a representative from any insurance provider you’re considering to learn more about that company’s rules and regulations.
List Yourself As an Excluded Driver
An excluded driver is someone who is not covered by an insurance policy. So if you have an insurance policy and someone else is listed on the policy with you, speak with your provider to see if you can exclude yourself from coverage and keep the same policy.
This could help you avoid shopping for a new policy without having a driver’s license.
Add A Co-Owner
If you run into issues purchasing auto insurance for unlicensed drivers, you may be able to add a co-owner to the policy. If that person has a driver’s license, it could make finding and purchasing car insurance a lot easier.
Companies have different co-owner rules, so you’ll need to research which companies in your area allow you to list a co-owner.
Get Parked Car Coverage
If you plan to garage your vehicle, you can purchase coverage for your parked car. Storage coverage is a lot like comprehensive coverage, and it covers your vehicle with regard to non-driving-related incidents, such as:
- Flooding
- Theft
- Vandalism
- Fire
- Damage from rodents
- Damage from wild animals
- Damage from falling objects
You may find it easier to purchase storage coverage if you don’t have a driver’s license, but you’ll still have to shop and compare quotes to see which companies offer what you’re looking for.
What insurance companies provide auto insurance for unlicensed drivers?
Many insurance companies will not consider covering you if you don’t have a valid driver’s license.
Some of the companies that are known for offering coverage to people without a driver’s license include:
- AAA
- Freeway
- GEICO
- The Hartford
- Travelers
- State Farm
Other companies may be willing to offer coverage to you if you don’t have a license, but you’ll have to research your options and speak with representatives from each company to learn more.
How much is Auto Insurance for Unlicensed Drivers?
Finding car insurance can be difficult if you don’t have a driver’s license. But if you do, you can expect to pay higher-than-average rates for coverage.
Should I buy car insurance without a license?
You may think it sounds silly to purchase car insurance if you don’t have a driver’s license. But if you have a car, you should have insurance on the vehicle. There are a few reasons why a person may want to consider buying a car insurance policy without a driver’s license.
Your Health Prevents You From Driving
If your health is a temporary reason why you cannot drive your vehicle, you should try to maintain a car insurance policy on the vehicle. However, in many cases, once your health stabilizes and you get a driver’s license again, finding a new, affordable policy can be challenging if you have a lapse in coverage.
Sometimes, it’s best to keep your policy and continue paying the premiums even when you’re not driving.
Someone Drives You Around
If you don’t have a license, but someone else drives you around in your vehicle, you should consider purchasing coverage on the car.
Since auto insurance follows the car rather than the owner, the vehicle would not have proper insurance coverage when a caregiver drives you around to run errands or make it to specific appointments.
Maintain at least your state’s minimum requirement for coverage on any vehicle someone else uses on your behalf.
You’re a Young Driver
If you drive a vehicle with a restricted license, you still need auto insurance on the car you drive.
This coverage usually comes through your parents or guardians, but you may want to check with the insurance company to see if you should be listed on the policy.
You Have a Student Driver in Your Home
If you don’t drive a car, but your student driver does, you need proper coverage on your vehicle. Otherwise, you will have to pay for all damages and repairs if your child gets into an accident.
You may also end up with a hefty fine and even more severe consequences.
You Own a Classic or Vintage Car
You should have at least comprehensive coverage if you own a classic car. If you don’t drive your vehicle around, it could still incur damage from falling debris, inclement weather, and vandalism.
A parked car insurance policy could protect your vintage car.
Your License Is Suspended
If you own a car but have a suspended license, you should try to maintain coverage on your vehicle. You may be required to file an SR-22 with your state. If that’s the case, you will need to find an insurance provider that will provide adequate coverage for you while you cannot drive your car.
Auto Insurance for Unlicensed Drivers: The Bottom Line
If you don’t have a license, you may think you don’t need insurance. But anyone who owns a car should have coverage on the vehicle.
Speak with your insurance provider to see what kind of coverage you need based on your unique circumstances. If the rates for coverage seem too expensive, shop online and compare quotes to find cheap auto insurance that works with your budget.