Our goal is to give you the tools and confidence you need to improve your finances. Although we receive compensation from our partner lenders, whom we will always identify, all opinions are our own. By refinancing your mortgage, total finance charges may be higher over the life of the loan. Show
Getting a car insured even if you don’t have a driver’s license can make sense in many situations. Whether you’re learning to drive, on a temporary break from driving, have never driven in your life, or never plan to drive again, a vehicle is not only a valuable asset, it’s also heavy machinery whose operation can lead to expensive incidents. Here’s what you need to know about getting car insurance without a license:
Can you get car insurance without a license?Yes, you can insure a car you own even if you don’t have a driver’s license. In lieu of a driver’s license, you can use another form of photo identification, such as a state ID, passport, or matrícula consular to prove your identity for insurance purposes. If you’re looking for a car insurance policy that fits your needs, be sure to shop around and compare rates from multiple providers. This’ll help you secure the best coverage for the right price. Compare car insurance from top carriers
Get Insurance Quotes Now What level of car insurance coverage can you get when you don’t have a license?You can purchase one or more of these types of coverage when you don’t have a valid driver’s license:
Tip: If you’re having trouble getting coverage, an option available in some states is to name a friend or family member as the primary driver on your policy and name yourself as an excluded driver. The policy will be priced according to the primary driver’s record, and you must not drive the car at all. How to get car insurance without a licenseTo purchase an auto insurance policy without a license, you’ll need to take the following steps:
Is it more expensive to insure a car without a license?Yes, it can be more expensive to insure a car if you don’t have a valid driver’s license. If you lack driving experience, your insurer will consider you a higher-risk customer and likely charge you a higher rate. Similarly, if you don’t have a license as a result of a bad driving record, you may also see your auto insurance costs increase. Major infractions that can lead to your license being revoked include:
Check Out: How Long After a Car Accident Can You File a Claim? Why you might need car insurance without a licenseEven if you don’t have a license, you might still need auto insurance for a number of reasons, such as:
Keep in mind: The terms of an auto lease or loan typically require you to insure the vehicle against theft and damage, regardless of if you plan to drive it or not. When should you insure a car you can’t drive?It might seem like an unnecessary expense to pay insurance premiums on a vehicle you won’t be operating, but here’s when you might still want a policy:
Keep Reading: Medical Payments Coverage: What It Is and How It Works Frequently asked questionsHere are the answers to some of the most commonly asked questions about insuring a car without a driver’s license. Can you get a license plate without a license?You don’t need a driver’s license to get a license plate. However, you’ll need proof of insurance or financial responsibility to register your vehicle with the state. Registering your vehicle is necessary to have a valid license plate. How do you register a car with no license?Check with your state department of motor vehicles for instructions. You’ll likely need a valid form of photo ID, proof of liability insurance, and other documentation (like a smog inspection certificate) that meets or exceeds the state’s minimum requirements. Why do insurance carriers prefer drivers with licenses?A licensed driver has a documented driving history. This history helps the insurer evaluate the driver’s risk profile and price its policy accordingly. Can you get car insurance with a suspended license?Not only can you get insurance with a suspended license, but you may be required to under your state’s SR-22 laws. After a serious incident like a DUI, reckless driving, or driving without insurance, your state may require you to prove your financial responsibility. Your insurer will file this form on your behalf. Disclaimer: All insurance-related services are offered through Young Alfred. About the author Amy Fontinelle Amy Fontinelle is a mortgage and credit card authority and a contributor to Credible. Her work has appeared in Forbes Advisor, The Motley Fool, Investopedia, International Business Times, MassMutual, and more. Read More Can you get car insurance without a license in Colorado?Can I get car insurance without a driver's license? Yes, you can buy insurance and register a car even if you don't have a driver's license, but it's not always easy. You will likely need to list yourself as an excluded driver on the policy, and some insurers still might not sell you a policy.
Can you get insurance without a license in North Carolina?One option available to you is to buy a non owners car insurance policy. This type of policy can be issued to a driver without a vehicle, and due to the licensing requirements in North Carolina, many companies issue these policies to unlicensed drivers who are looking to obtain a license.
Can a person without a driving license own a car?Yes—as long as you have the money to cover the purchase along with a valid, government-issued ID, you can legally buy a car without a driver's license. Keep in mind that you won't be able to legally drive it without both a license and insurance, though.
Can you put a car in your name without a license in Washington?You'll essentially need a valid drivers license in order to make the official transfer. If you buy from a private party, you'll need the original title from the seller, as well as a bill of sale. If the car is less than 10 years old, the buyer will need an Odometer Disclosure Statement.
|