Getting car insurance without a license is not the easiest task. If you own a car, most states require you to insure it. But many insurance companies don’t sell policies to unlicensed drivers. At Home Media’s assessment team, we’ve researched how to get car insurance without a license and we’ll help guide you through the process.
We will also help you find best car insurance your situation, whether you can’t drive or have recently had your license suspended.
Can you buy auto insurance without a license?
Obtaining car insurance without a license is tricky, but it is not excluded. Most national insurers — like state farm, progressive Where Travelers — will not sell auto insurance to a driver who does not have a valid driver’s license. However, some smaller, more localized insurance companies may be more familiar with your state’s guidelines and have options for unlicensed drivers.
When looking to compare car insurance quotes from local providers and independent insurance agents, it’s best to call direct as most companies’ online tools require you to provide your driver’s license number for Continue.
Why do insurance companies prefer licensed drivers?
Having a valid driver’s license is the easiest way for an insurer to access your driving record. When calculating your insurance quotes, providers look at your driving history and other factors to determine your risk as an underwriter. Without a valid driver’s license number, vendors have a harder time accessing your records. This is why insurance companies generally consider unlicensed motorists to be high-risk drivers.
How to get car insurance without a license
Although getting auto insurance without a license is difficult, there are some methods that experts tend to recommend.
- Speak to an independent insurance agent: These agents can write insurance policies for many companies and can work with local insurers who provide coverage for unlicensed drivers.
- List someone else as the primary driver: If you own a car but don’t drive it, some insurance companies will allow you to list someone else as the primary driver. The primary driver may need to be a member of your household, but requirements vary by company.
- Add a co-owner to your car registration: This is a handy workaround if you can’t find an insurance company, since owning a vehicle is usually a prerequisite for getting car insurance. The process to add a co-owner is quite simple. Most states require you to file a form with the Department of Motor Vehicles and pay a fee.
- Buy parked car cover: If you don’t have a license and you store or park your car for an extended period of time, you can purchase parked car or garage insurance.
- Register as an excluded driver: Be careful with this option — even if your insurance company allows it, you won’t be adequately covered if you have an accident or drive illegally.
Reasons to buy car insurance without a license
Because it’s so difficult to get auto insurance as an unlicensed driver, it’s important to work with an agent who understands your situation. Here are some of the most common reasons why you would need car insurance without a license:
Your driver’s license has been revoked or suspended
If your license has been revoked, for example for an impaired driving conviction or multiple traffic violations, the state may order you to obtain SR-22 Insurance. SR-22 insurance is not actually an insurance policy. This is a form that an insurer files with the DMV to prove that you have the state minimum liability insurance. It is essentially a statement of financial responsibility.
You don’t drive anymore
If you no longer drive due to a disability, age or any other reason, you can still own a car, but have it driven by a friend, family member or caregiver. In these cases, you may want to purchase car insurance, but register as an excluded driver.
You insure a minor’s car
Let’s say you bought a car for your teen driver. Depending on the insurance company, you may be able to purchase an insurance policy that covers your teen’s car in your name. In this scenario, you would list your teen as the primary driver and yourself as the excluded driver. This option can be more expensive than simply adding your teen to your existing insurance policy.
You only have a learner’s license
Adults with a driver’s license may find it more difficult to obtain cheap car insurance. If you have your license but do not yet have a valid license, contact local agents to find an insurer with more lenient requirements.
You collect classic cars or have a car in a parking lot or long-term storage
If you have purchased a classic car but do not plan to drive it, you may still want to insure this prized possession. Some insurance companies offer classic car insurancewhich is generally more affordable than regular car insurance, especially if you are not driving the vehicle.
When storing a vehicle that is not considered a classic car, consider buying Back to back insurance. A comprehensive policy only will cover your parked or stored car for non-collision property damage such as theft, vandalism or natural disaster.
Why should I buy car insurance without a license?
Even if you don’t have a license, almost all states require that any vehicle that will be driven be insured. And even if you can’t drive the car, you still need insurance to protect your car if it’s being driven by someone else or parked where it could be damaged.
You don’t always need a driver’s license to buy a vehicle. But many dealerships will be wary of unlicensed customers, and you can’t chase them away. You don’t necessarily need a license to register a car either, but you will need proof of insurance, which is why it’s important to have cover.
Car insurance without a license: Conclusion
Buying auto insurance is much more difficult if you don’t have a valid driver’s license. Although most national providers do not offer insurance for unlicensed drivers, independent agents and local insurers may be able to help you find the coverage you need.
There are several ways to get auto insurance without a license, including registering as an excluded driver, adding a co-owner to your registration, and purchasing car storage insurance. If your license has been suspended, you can ask your insurance company to file an SR-22 form to show financial responsibility.
Recommendations for car insurance without a license
Not all car insurance companies will sell a policy to an unlicensed driver. In our roundup of the top insurance providers industry-wide, we found that only Geico offers auto insurance policies to drivers without a valid license. However, an unlicensed driver cannot obtain full insurance, as Geico only provides the minimum liability coverage required by the state in which he lives. It may be worth contacting smaller insurance companies for unlicensed drivers. auto insurance quote.
Car insurance without a license: FAQ
Here are some frequently asked questions about auto insurance without a license: