Can You Get Car Insurance Without A License?
If you need a quote for auto coverage and you don’t have your license, you could be in for a long adventure. There are ways to get around it, of course. You may need the help of a friend or family member or else you can opt for coverage on the vehicle only.
Whatever you choose, don’t wait long to find a policy. A lapse in coverage could end up costing you more. It may also disqualify you from obtaining coverage at all.
Then, without further adieu, let’s take a look at what you can do to insure your vehicle without a license, legally.
In order to properly secure insurance for your vehicle, you may consider adding an owner to your registration. You may then insure the vehicle under the co-owner’s name.
Be warned, just because your vehicle is insured does not give you permission to drive it. If you don’t have a license, you are not legally allowed to operate any vehicle, even if you own it.
To apply for a change to your registration, visit your local DMV. You will be required to fill out a form and pay a minimal fee.
Excluded Driver Option
Whether you changed your registration to reflect another owner or you already share your insurance policy with somebody, you may also list yourself as an excluded driver.
Make sure to list another person in your household or your co-owner on the vehicle as the primary driver on your insurance policy. This may be a spouse, roommate, or family member and should be someone that will operate the vehicle the most.
Keep in mind that insurance companies use motor vehicle records, also known as MVRs, as well as other extenuating factors when setting rates. Make sure the person you are listing as the primary driver on your policy has a good driving record or you may expect an increase in your premium.
Parked Car Insurance
If you don’t have someone to list on your policy, you may consider purchasing a comprehensive only policy. This is usually referred to as parked car insurance because nobody will be driving the insured vehicle. And, it’s important to understand that the vehicle will only be insured for damage and theft.
This type of policy is cheaper than a typical auto policy that includes liability and other options.
If your license has only been suspended, you may have other options still. Of course, you still cannot drive with a suspended license so parked car coverage is a cost friendly option. This is another way to prevent a lapse in coverage which can end up costing you much more later down the line.
When your suspension is up, you’ll be required to obtain an SR-22 form from your insurance company. This is proof for the DMV that you are insured so that you can get your license back.
Can I Buy a Car Without a License?
Although you are not required to have a valid license to purchase a vehicle, it could be difficult. Most dealers are not willing to finance a vehicle for an unlicensed individual.
You may consider obtaining a loan through your local bank or credit union, instead. Just remember that you’ll be required to obtain insurance for it so know your options detailed above before you buy.
Can You Register a Car Without a License?
As long as your vehicle is insured you should have no problem obtaining registration for it. Most states simply require you to fill out the required paperwork, provide proof of insurance, and pay the registration fees before they will register or renew you. This can all be done through your local DMV office.
Why Insure a Car You Can’t Drive?
Regardless of which insurance you choose, why even do it in the first place?
There are a few different reasons you may need auto insurance coverage without being able to drive. Perhaps you still have only a driver’s permit. Or maybe it’s a legal issue that will only be temporary.
Aside from the fact that it’s the law to have your car insured at all times, you want to protect your vehicle the best you can. Even if it is in the garage for a while.
So, the short answer to the question, can you get car insurance without a license is yes. Just keep in mind that you’ll pay higher premiums and may not be eligible for full coverage depending on your insurer.
Remember, too, that speaking to a licensed agent in your area may yield the best results. He or she will have access to insurers that may be willing to cover you.