Getting car insurance without a driver's license is usually difficult. One of the simpler ways to buy coverage is to make yourself an excluded driver and the person driving your car the primary driver on the policy. However, some auto insurance companies — and even some states — do not allow this. Overall, finding a car insurance policy without a driver's license requires some work on your end.
This article will cover:
Can I get car insurance without a driver's license?
You can get auto insurance without a license, but it's challenging. A driver's license is an important part of the auto insurance quote process with insurers, as it's tied to your driving history. Insurers look at your driving history to gauge if you're a good or bad driver, and calculate your risk level and policy rate based on that information.
Furthermore, car insurers often consider policyholders without licenses to be high-risk. That's because there is the concern that unlicensed drivers might get behind the wheel of their car, regardless of the consequences. If an accident occurs with an unlicensed driver behind the wheel, the insurer will probably wind up having to cover the damages.
Also remember that if you are able to find a company willing to provide you with auto insurance without a driver's license, it will probably be more expensive than a policy for a licensed driver.
How do I get car insurance if I don't have a license?
If you're trying to get auto insurance without a driver's license, it may take some hunting on your part. Here are some steps that could help:
Find out if you qualify for insurance without a license
Get someone else as the primary driver on your policy
The easiest solution is to get someone else to be the primary driver on your policy. As long as they drive the car more than you do, they can be the primary driver. For example, if you employ a caregiver to drive for you, you will want them on your auto insurance as the primary driver.
It's important to know that when choosing a primary driver for your car insurance policy, your premium will be calculated based on their driving history. Your car insurance company will look at various factors regarding a primary driver, including their:
- ZIP code
- Length of driving history
- Insurance claims history
- Accident and ticket history
This means that if they have tickets or accidents on their driving record, it will probably increase your car insurance rate. For this reason, choose your primary driver carefully.
If you decide to take this route, your auto insurance provider may require you to be an excluded driver on your policy. This is so they are not liable if you decide to drive the car and cause an accident. This depends on your provider, as some auto insurance companies don't allow for excluded drivers. Furthermore, some states don't allow excluded drivers on car insurance policies.
Explore smaller car insurance providers
If you aren't able to find a large auto insurance company who will cover you, look for a local or regional insurer. If that doesn't work, talk with an independent car insurance agent. They often work with many different companies and may be able to find a provider who can help you.
Be honest about not having a license
When looking for a car insurance quote, make sure to be honest about not having a driver's license. As part of the quoting process, auto insurance providers will run a Motor Vehicle Report (MVR) to access your driving history. Your driver's license number — or lack of one — will be included in the MVR. Submitting a fake driver's license number is fraud.
Who needs car insurance without a driver's license?
If you have a car registered in your name, you'll need to have it insured in your name. This doesn't mean you have to be the one driving the car. Here are some situations where you would need auto insurance without a driver's license:
- If you collect vintage or classic cars but don't drive them.
- If you're a teen driver who only has a permit.
- If you own a car and others in your family drive, but you don't.
- If you have a caregiver or chauffeur who drives your car for you.
- If you want to avoid a lapse in auto insurance coverage.
The types of auto insurance you want are up to you. And if you're storing a car for a long period without it being driven, liability coverage isn't really necessary.
However, if the car is stolen, vandalized or damaged by weather, a total lack of auto insurance would leave you having to pay for the losses out of your own pocket. A comprehensive-only auto insurance policy would provide the coverage you need without paying more for unnecessary coverage.
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