Can you buy auto insurance without a driver’s license?

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Getting car insurance without a license can be difficult and more expensive, but it is possible. Learn when it makes sense to insure a car you don’t drive. (Shutterstock)

Getting car insurance even if you don’t have your driver’s license can be a good idea in many circumstances. For example, you may want to maintain your vehicle insurance to avoid a lapse in coverage. Or, you might want to purchase a car insurance policy for your child under 18.

Whatever your reason for wanting to insure an unlicensed vehicle, having car insurance is essential because it can protect your vehicle — or that of a loved one — against damage or theft.

Here’s what you need to know to buy car insurance without a license.

Visit Credible to learn more about car insurance and get quotes of the best carriers.

Can you insure a car without a driver’s license?

Yes, it is possible to take out car insurance without a driver’s license. But keep in mind that your coverage options will likely be limited – some insurers don’t allow unlicensed drivers to take out policies. Also, depending on the state you live in, you may need to add at least one licensed driver to a policy.

How to get car insurance without a driver’s license

You can purchase auto insurance without a license by doing the following:

  1. Find insurers that offer this coverage. Consider contacting several insurers directly by email or phone to see if they offer coverage for unlicensed drivers.
  2. Compare quotes and apply. Once you find a few insurers that provide coverage for uninsured drivers, get auto insurance quotes online or by contacting an insurance agent. You will likely need to provide personal information, such as your vehicle identification number (VIN) and mileage, the address where you keep the vehicle, the name of the registered owner of the vehicle, and your name and date of birth. Ask for the policy with the best coverage at the lowest price.
  3. Choose your deductible. Then choose a auto insurance deductible — the amount you pay out of pocket before your policy benefits begin.
  4. Make car insurance payments. In general, you can pay your auto insurance premiums upfront or in installments over a six- or 12-month period. If you pay your policy in full in advance, some insurers may offer you a discount.

Credible, it’s easy to compare car insurance quotes from various carriers, all in one place.

Does it cost more to insure a car without a licence?

Yes, insuring a car can cost more if you do not have a valid driver’s license. If you’re new to driving, an insurer will likely charge you a higher rate. You can also pay a higher amount if your license has been suspended.

When does it make sense to insure a car that you don’t know how to drive?

While it’s understandable that you might not want to buy insurance for a car you can’t drive, it can be a good idea in the following situations:

  • You only have a learner’s permit. While you are learning to drive, you will need to be added to an existing car insurance policy or purchase one yourself.
  • You want to insure a car for someone who is under 18. In most states, a person must be 18 or older to sign a contract. This means that you may need to purchase car insurance for someone under 18, whether or not you drive the vehicle.
  • You are no longer able to drive. If you can no longer drive due to health issues or some other reason, but someone drives you in your car, you still need car insurance. Note that if someone drives you regularly, an insurer may ask you to list them as the main driver on your policy.
  • You want to avoid a break in coverage. Failure to maintain coverage for your vehicle may result in higher insurance premiums. To avoid a potential rate increaseyou can decide to renew your existing policy or buy a new one, even if you don’t plan to drive.
  • Your car is in storage. If you own a car that sits in a garage and never moves, you don’t necessarily need to purchase insurance for it. But you may want to purchase comprehensive auto insurance to protect it against theft, vandalism, or accidental damage.
  • Your license is suspended. It is illegal to drive a car with a suspended license. But if you’re working on getting your license reinstated so you can drive again, you’ll need to buy car insurance.

If you’re ready to buy car insurance, visit Credible for compare car insurance quotes in minutes.

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