Can You Get Car Insurance With No Driver’s License?
Getting car insurance when you don’t have a driver’s license might sound a little whacky, like paying for a hotel room you don’t intend on staying in. But there are a few reasons why you might want or even need car insurance even if you don’t currently have a license to drive.
Reasons Why You Might Want Car Insurance When You Don’t Have A License
There are several scenarios you might find yourself in where getting car insurance is a good idea even if you don’t drive or have a driver’s license.
You don’t drive but you have an underage driver in your home (your child) who can’t buy insurance on their own and has to be covered through you.
You have a chouffer who drives you around in a car that you own.
Due to advanced age, sickness or disability, you cannot drive but you own a car so that other people can drive you places.
You have a provisional license, perhaps because you are an adult that is just now learning to drive.
You no longer drive but you own vintage cars.
You lost your license due to DUI or other infractions (special insurance may be required).
How To Sign Up For Car Insurance Without A Driver’s License
Your major roadblock when signing up for insurance without a license will be that you normally need to provide your driver’s license number in order to apply for insurance. Since the insurance company sets rates based on the primary driver they will often allow you to use the license information of whoever will be the primary driver of the car you own. Some companies, and depending on your situation, might make you an excluded driver. This means that if you do drive the car for any reason, the insurance company will not pay damages.
Pros and Cons Of Car Insurance With No License
Pros of car insurance without a license - If you own a car you might still want it to be protected financially even if you don’t drive it, especially if you own vintage or expensive cars that you do not drive but could get stolen or damaged. If you own a car that you will let other’s drive, you as the owner of the car would be responsible for accidents and therefore need insurance. If the state has taken your license they will often still require you to keep your auto insurance and provide proof of that insurance while your license is suspended.
Cons of car insurance without a license - It could be difficult to obtain insurance without a license and it could potentially be more expensive coverage.