Obtaining car insurance is a requirement in most jurisdictions, typically requiring a valid driver’s license. However, there may be situations where individuals still need car insurance without license, such as international visitors, learners permit holders, or individuals with suspended licenses.
Reasons to Get Car Insurance without License
Since getting an auto policy without a license can be tough, it’s a good idea to work with a local agent who can help you navigate the application process and find the best car insurance companies to suit your needs. Here are some common justifications you might need car insurance without a driver’s license.
You Can No Longer Drive
If you are disabled or no longer able to drive, you might own a motorcar for transportation but have someone else drive you, such as a family member or caregiver. But as an unlicensed driver documented on the policy, you could face higher rates.
One option might be to buy an insurance policy and document your driver as the primary operator and make yourself an “excluded driver.” The upside of documenting yourself as an excluded driver is that you won’t have higher rates as a listed unlicensed driver. The downside is that if you do drive your car and get into a car accident, you won’t have any insurance coverage.
The rules for excluded drivers differ by insurance company and state. Some states will not allow driver exclusions. If driver exclusions are permitted in your state, you’ll need to complete a “named driver exclusion” form.
You Are Insuring a Car for A Minor
Many lenders won’t extend an auto loan to drivers under age 18, which can make it hard for a minor to buy a car. In this scenario, you might purchase a car (or take out a loan) to help a young driver, even though you don’t have a license or intend to drive the car yourself.
You may be able to document yourself as an excluded driver on the auto insurance policy and list your teen driver as the primary operator. But again, the regulations for excluding a driver vary by state and company.
You are a Car Collector or Storing a Vehicle
There’s no law that says somebody without a driver’s license can’t collect cars. For example, you bought a classic car to restore and do not intend to drive it on public roads.
If you own a vintage, antique, or replica vehicle, it’s worth glancing into classic car insurance. Some classic car insurance companies sell coverage kinds that cover spare parts and automotive tools, and “vehicle under construction” coverage that periodically increases your coverage limits to keep pace with your restoration work.
If you are keeping a car that doesn’t qualify as a classic vehicle, you’ll still want car insurance. A comprehensive coverage-only policy might be a reasonable fit for you. Comprehensive insurance covers issues like fires, floods, hail, vandalism, theft, and falling objects.
Your Driver’s License Has Been Suspended or Revoked
If your license has been suspended or revoked due to your driving records, such as a DUI conviction or too many traffic infringements, your state or a court order might require you to get “SR-22 insurance.”
An SR-22 is a document that your insurance company must file with your state that shows you have at least the state’s minimum car insurance requirements. A good way to fulfill an SR-22 requirement, if you don’t own a car, is by purchasing non-owners car insurance.
How to Get Car Insurance without License
In this article, we will provide a comprehensive guide on how to get car insurance without a license. While the process may vary depending on your location and circumstances, understanding the options available can help non-licensed drivers obtain the necessary coverage and meet legal requirements.
Understand Legal Requirements and Limitations:
Before pursuing car insurance without a license, it’s essential to familiarize yourself with the legal requirements and limitations in your specific jurisdiction. Some states or countries may have specific regulations regarding coverage for non-licensed drivers, while others may have restrictions or limitations on the type of coverage available.
Non-Owner Car Insurance:
One option for non-licensed drivers is non-owner car insurance. This type of policy provides liability coverage for individuals who frequently drive but do not own a vehicle. Non-owner car insurance typically covers damages to other vehicles or property in case of an accident, but it does not provide coverage for damages to the vehicle being driven. Non-owner car insurance is often available to drivers without a license, including those with a suspended license.
Named Driver on Someone Else’s Policy:
If you frequently borrow or drive someone else’s car, you may be able to be added as a named driver on their existing car insurance policy. This option allows you to have coverage while driving the specified vehicle. However, keep in mind that you will only be covered for the vehicle listed on the policy and may not have coverage for other vehicles.
Seek Insurance Companies Specializing in Non-Standard Policies:
Some insurance companies specialize in providing coverage for non-standard situations, including non-licensed drivers. These companies have experience dealing with drivers who may not have a license but still require insurance coverage. Research and reach out to these insurance providers to inquire about their policies and options for non-licensed drivers.
Provide Alternate Forms of Identification:
When applying for car insurance without a license, you may be required to provide alternate forms of identification to establish your identity and driving history. These documents could include a passport, identification card, learner’s permit, or international driving permit. Insurance companies may also request additional documentation to assess your driving experience and risk profile.
Consider State-Specific Insurance Options:
Some states may have specific insurance options designed for non-licensed drivers. These options may have different requirements or limitations, so it’s essential to research and understand the options available in your particular state. Contact local insurance agents or insurance departments to inquire about state-specific policies for non-licensed drivers.
Compare Insurance Quotes:
As with any insurance purchase, it’s crucial to compare quotes from different insurance companies to find the best coverage options at a competitive price. Obtain quotes from multiple insurers that offer coverage to non-licensed drivers. Compare the coverage limits, deductibles, exclusions, and premium rates to make an informed decision.
Consider the Coverage Needs:
Evaluate your coverage needs based on your driving habits, risks, and financial situation. While liability coverage is typically the minimum requirement, consider additional coverage options such as uninsured/underinsured motorist coverage, comprehensive coverage, or medical payments coverage to provide added protection in case of an accident or unforeseen circumstances.
Seek Assistance from Insurance Agents or Brokers:
Insurance agents or brokers can provide guidance and assistance in finding suitable coverage options for non-licensed drivers. They have expertise in the insurance industry and can navigate the complexities of finding coverage for individuals in unique situations. Reach out to local agents or brokers specializing in non-standard policies to discuss your needs and explore available options.
Maintain Good Driving Record:
Even as a non-licensed driver, maintaining a good driving record is essential. Safe driving practices and avoiding traffic violations can help you qualify for better insurance rates in the future. As you gain driving experience and obtain a valid license, you can transition to standard insurance policies with broader coverage options.
While obtaining car insurance without a license may present challenges, it’s not impossible. By understanding the legal requirements, exploring non-owner policies, seeking specialized insurance companies, and consulting with professionals, non-licensed drivers can find suitable coverage options to meet their needs and comply with legal obligations. Remember to compare quotes, assess coverage needs, and maintain a good driving record for future insurance considerations.