Auto Insurance No License
Can you get car insurance without a license?
Yes, you can get a normal auto insurance policy even without an active driver's license. Finding auto insurance with no driver’s license can be difficult and expensive though. Many auto insurance companies will not insure someone without a driver's license. Others will require you to provide them some sort of ID card. Here at Cheapest Auto Insurance, we specialize at providing cheap auto insurance for drivers without a driver's license. We hope to provide you with information to help you find affordable auto insurance with no license. Just because you don’t have a driver's license does not mean you have to pay a lot of money for car insurance. Let's look at some ways to help with this situation.
How much does no license auto insurance cost?
Your auto insurance rates with no license will be about 30%-40% than if you had a valid license. There are so many factors that go into quoting someone without a license that nobody can give an accurate rate without having all your information. But the big reason why it costs more to insure your car with no license is many auto insurance carriers will not take you. So, less options for insurance means you will more than likely pay more for you auto insurance rates. Auto insurance companies charge more because they feel drivers with no license are a greater risk to have an accident. An active license allows the insurance company access your driving record to view tickets and accidents on your record. Your driving record is a huge factor on how auto insurance companies set their rates. Most auto insurance companies run a Motor Vehicle Report to see your driving record and then a Clue Report to see your claims history.
What are the best auto insurance companies if I don’t have a license?
We have found that the best auto insurance companies to get quotes from if you do not have a driver's license are nonstandard auto insurance companies AKA (High Risk Auto Insurance Companies). These companies specialize in this segment of hard to place business. We have found your best bet may be to contact a nonstandard auto insurance agency to get quotes for no license insurance. These are insurance agencies who work with numerous companies so they can find drivers with no license the best coverage at the lowest rate. One of the key things to finding affordable auto insurance with no license is to get as many quotes as possible, this greatly increases your chances.
We have found several auto insurance companies that we feel are a good fit for drivers with no license, here are a few:
- Save Money Car Insurance
- Safe Auto
- Fred Loya
Be sure to disclose up front to the auto insurance company that you do not have a license. This will help make your quote more accurate.
How do I get an insurance quote without a license?
Getting an auto insurance quote without an active license is the same process as you would do if you had a license. The big thing is you are limited on what auto insurance companies will take you. Contacting one of the companies we mentioned above is a great start to get a quote. The big thins is just disclose up front you don’t have a license. Where you run into problems is concealing information because the insurance company will find out and raise your rates.
Buying a vehicle without a license
Before you purchase a car insurance you need to first find a car. It is legal to buy a vehicle without a driver's license. But many dealerships require proof of insurance and photo ID before you can leave with the car. Some dealerships just want to sell you the car and are not worried if you have an ID or not. Each dealership has its own protocol. It is much easier to buy a car without a license than it is to purchase insurance without a license.
No License Auto Insurance: FAQs
If I don’t have a license can I insure my car under someone else’s policy?
Yes, you can as long as you share an address with that person. If you do not live in the same household with that person than you are not able to be added to their policy. Although many people go ahead and do this regardless of whether they actually live with the person or not but if an insurance company finds out they can cancel your policy.
Should I keep auto insurance on my car if I don’t have a license?
If your car is registered with the state then it is required to carry insurance on it. It will be more expensive to carry insurance on it until you get a license.
How do I get auto insurance with no license and someone else drives me around?
You would want to purchase regular auto insurance in your name and then add the person driving you around as a secondary driver. It is important to disclose all drivers that will be driving your car to the insurance company.
Will auto insurance cover an unlicensed driver?
Yes, as long as the unlicensed driver is not excluded on the policy then coverage should be given in the event of an accident.
Is an unlicensed driver always at fault?
No, in the event of an accident an unlicensed driver is not always at fault. A police report is given and whoever the police officer find at fault is the one cited. But the unlicensed driver will likely be given a large ticket for driving without a license which can be expensive and cause other types of legal issues.
What happens if an unlicensed driver wrecks your car?
You would turn in a normal claim as if the driver was licensed it will be no different. As long as the driver is not excluded from your policy. That would be a problem if they are excluded and coverage would likely be denied.
Concluding thoughts on car insurance without a license
Those looking for auto insurance without a license will have to work harder than drivers who have an active license. But if you follow the advice, we gave above we feel you can still find affordable car insurance despite not having a license. It is best to work with an insurance agent directly instead of purchasing online insurance if you don’t have a license. Many online quote sites will not give you an accurate quote. Our agents here at Cheapest Auto Insurance can help you find auto insurance with no license at an affordable price. Call or text us at 918-744-5145 for a free quote today!