You need to meet certain criteria to be able to purchase a policy. You need to be licensed to drive but you may not need a license to get car insurance, providing you have a good reason for wanting the cover. There may be circumstances that justify insuring a vehicle when you cannot drive it because you are not licensed to do so or legally prohibited. These questions and concerns will be addressed below.
You cannot drive a vehicle on public roads without driver permit 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 it you cannot drive and therefore you wouldn’t need insure it for driving purposes but to protect it. If you drive without a permit you would be breaking possibly two state laws since you wouldn’t get auto insurance for unlicensed drivers.
Car Insurance without Drivers License
Under normal circumstances Insurers wouldn’t knowingly sell a policy to someone who aren’t legally permitted to operate a vehicle. That would be too much risk since usually there is a reason why someone lose his/her permit and it is even worse if the person never passed the 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 a policy covering it that makes things even more complicated for people who aren’t licensed. It is not difficult to see that there has to be some sort of a solution 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 coverage 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, vehicle 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 is to facilitate someone else with a 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 permit.
An insurer may be convinced to offer favorable terms if the owner cannot really operate the vehicle. All the other factors being agreeable and the person who will use the car is a good driver they may not have to pay high premiums.
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 permit for other reasons than inability to drive.
Car Insurance with Suspended License
You may be able to arrange coverage with suspended license if your suspension is over shortly. Most states require proof of insurance before they can re-instate driver permits especially if the suspension was due to driving without liability coverage. Also, they would want to see SR-22 financial responsibility certificate from most drivers who are coming out of driving suspension. In such cases, it is understandable that you need to purchase a policy first and get your license back with it.
Auto Insurance for Unlicensed Drivers
If they ever sell policies to someone without a valid drivers permit it may be only to insure the vehicle for fire and theft. If your permit 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. Such coverage would come with special conditions that the insured automobile cannot be driven. That would make sense since some states would want the vehicle registration plates back as well from the suspended owner.
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 wanting the coverage doesn’t even make sense when you cannot drive it for the obvious reason.
Most insurers 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 arrange public liability cover in most states. So, even the owner cannot drive there may be circumstances that it would be alright for someone else to operate the insured car and therefore alright for the owner to insure it, 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 such policies clarifying the conditions attached to it. It may be best to talk to insurers to get accurate quotes. You can try to get quotes online from the carriers on our panel or you can call them. 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.