Do you need your license to get car insurance? Can I get insurance without a driver’s license? Can I get car insurance with a suspended license? Is there circumstance that justify buying insurance when you cannot drive the insured car because you are not licensed to do so or legally prohibited from driving any vehicle? These are the types of questions answered below.
You cannot drive a vehicle on public roads without driver license and insurance. If you want to drive a motor vehicle you must have a valid driver’s license first, according to your state laws. If you don’t have a license you cannot drive and therefore you wouldn’t need insurance anyway. If you drive without a license you would be breaking possibly two state laws since you wouldn’t get auto insurance for unlicensed drivers.
Car Insurance without Drivers License
Can I get insurance without a driver’s license? Under normal circumstances Insurers wouldn’t knowingly sell auto insurance without drivers license. That would be too much risk since usually there is a reason why someone lose his/her license and it is even worse if the person never passed the license test.
If you already own a vehicle and cannot drive it you may still be able to arrange a no license auto insurance for it under special circumstances and conditions. Otherwise, you may have to take it off the roads and store in a private property. You may also have to return your vehicle registration number back to your local DMV office.
It is up to vehicle owners to make sure that motor vehicles are properly insured before they are driven on public roads. Most states wouldn’t register a vehicle without insurance that makes things even more complicated for people who don’t have a valid driver license. It is not difficult to see that there has to be some sort of solution for auto insurance without drivers license to break out of this catch-22 situation.
Exceptional Circumstances for Car Insurance with No License
Indeed, there are exceptional circumstances that allow you to buy auto insurance with no licence. Say you don’t have driver’s license because of disability, illness or old age and own a vehicle. You may still be able to insure it to be driven on the roads, providing you list a primary driver who will be driving the car and show that you will never be driving it yourself.
In this case, auto insurance for unlicensed drivers is there to facilitate someone who wants to be driven by his own automobile. Even though someone may not be able drive himself/herself they could get a driver, relative, friend or partner to drive them around. Another perfect example of a good case for car insurance for unlicensed drivers is to facilitate someone else with a driver’s license in a household. For example, a parent or a grandparent may want to insure their children or grandchildren to drive his/her vehicle even though he/she doesn’t have license.
An insurer may be convinced to offer favorable terms if the person who is buying auto insurance with no license cannot really drive the vehicle. All the other factors being agreeable and the person who will drive the car is a good driver they can get a cheap car insurance with no license.
However, insurers may still charge for the risk of the policyholder (the unlicensed person) driving the vehicle if the person is able to drive but cannot due to not having a license for other reasons than inability to drive. In that case, auto insurance for no license driver can be expensive.
Car Insurance with Suspended License
Can I get car insurance with suspended license? Yes, you may be able to buy auto insurance with suspended license if your suspension is over shortly. Most states require proof of insurance before they can re-instate driver licenses especially if the suspension was due to driving without insurance. Also, they would want to see SR-22 financial responsibility certificate from most drivers who are coming out of driving license suspension. In such cases, it is understandable that you need to buy auto insurance with suspended license first and get your license back with it.
Auto Insurance for Unlicensed Drivers
If they ever sell policies to someone without a valid drivers license it may be only to insure the vehicle for fire and theft. If your license is suspended but you are keeping the car as an asset and to use after the suspension is over you may want to insure it for possible fire damages and theft. If car insurance with no license is offered there would be special conditions that the insured automobile cannot be driven. That would make sense since some states would want the vehicle license plates back as well from the owner with suspended license.
Do You Need your License to Get Car Insurance?
It would be near impossible for someone who has never passed driving license test to get insurance. If you have special circumstances you should talk to insurers to see if anything can be done. But it doesn’t even make sense wanting to buy auto insurance when you have no driving license to drive it.
You can purchase auto insurance without driver license, but most insurance companies will require you to give the license number of the person who will be driving the insured vehicle. It is the responsibility of the automobile owner to insure it in most states. So, even the owner cannot drive there may be circumstances that it would be alright for someone else to drive the insured car and therefore alright for the owner to buy auto insurance with no license, as discussed in detail above.
This would require clear understanding of circumstances by both the policyholder and insurer. And there would be several endorsements on a no license auto insurance policy clarifying the conditions attached to it. It may be best to talk to insurers to get accurate auto insurance quotes. You can try to get quotes online from the insurers on our panel or you can call them for a quote. Remember that this is a type of policy that requires careful construction and full understanding of the circumstances relating to the policyholder, vehicle and listed drivers.