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Purchasing car insurance, even if you don’t have a driver’s license, can be a good idea in many circumstances. For example, you want to keep your vehicle insured to prevent the cover from expiring. Or maybe you want to buy car insurance for your child who is under 18 years old.
Regardless of your reason for wanting to insure a vehicle without a driver’s license, having auto insurance is essential because it can protect your vehicle – or the vehicle of a loved one – from damage or theft.
Here’s what you need to know about getting car insurance without a driver’s license.
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Can you insure a car without a driver’s license?
Yes, it is possible to purchase car insurance without a driver’s license. However, keep in mind that your coverage options will likely be limited – some insurers don’t allow unlicensed drivers to purchase policies. In addition, depending on your state of residence, you must add at least one licensed driver to a policy.
How to get car insurance without a driver’s license
You can take out car insurance without a driver’s license by following these steps:
- Look for insurers that offer this coverage. Consider contacting multiple insurers directly via email or phone to see if they cover unlicensed drivers.
- Compare quotes and apply. Once you’ve found a few insurers that cover uninsured drivers, Get car insurance quotes online or by contacting an insurance agent. You will likely be required to provide personal information such as your vehicle identification number (VIN) and mileage, the address where you keep the vehicle, the name of the vehicle’s registered owner, and your name and date of birth. Request the policy with the best coverage for the lowest rate.
- Choose your own risk. Then choose one car insurance deductible — the amount you pay out of pocket before your policy benefits start.
- Pay car insurance. In general, you can pay your car insurance premium in advance or in installments of six or 12 months. If you pay for your policy in full in advance, some insurers may offer you a discount.
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Is it more expensive to insure a car without a driver’s license?
Yes, you can insure a car costs more if you do not have a valid driver’s license. If you’re new to driving, an insurer will likely charge you a higher rate. You may also pay a higher amount if your driving license is suspended.
When does it make sense to insure a car you can’t drive?
While it’s understandable that you don’t want to buy insurance for a car you can’t drive, it might be a good idea in the following situations:
- You only have a learning permit. As you learn to drive, you’ll need to be added to an existing auto insurance policy or purchase your own.
- You want to insure a car for someone under the age of 18. In most states, a person must be 18 years or older to sign a contract. This means you may need to purchase car insurance for someone under the age of 18, whether or not you are driving the vehicle.
- You are no longer able to drive. If you are no longer able to drive due to health or any other reason, but someone is driving you around in your car, you still need car insurance. Keep in mind that if a person regularly drives you around, an insurer may require you to list them as the primary driver on your policy.
- You want to prevent the coverage from expiring. Not maintaining coverage on your vehicle can lead to higher insurance rates. To avoid a potential increase rateyou can decide to renew your existing policy or purchase a new one, even if you do not plan to drive.
- Your car is in the garage. If you own a car that sits in a garage and never moves, you don’t necessarily need to get insurance for it. But you may want to purchase comprehensive auto insurance to protect it against theft, vandalism, or accidental damage.
- Your license has been suspended. It is illegal to drive a car with a suspended license. But if you’re working on getting your driver’s license reinstated so you can drive again, you’ll need to get auto insurance.
If you’re ready to get car insurance, check out Credible compare car insurance in minutes.