Can I Get Car Insurance Without a License?

It might seem counterintuitive to ask whether you can get car insurance without a license but it’s a valid question. Depending on individual circumstances, it might actually be better to have coverage even without a license. This is for a variety of reasons, which include scenarios such as owning a car and not having a license, but your spouse or kids will be driving and they need insurance protection. So, can you buy a car without a license? Yes. But, is there car insurance for non drivers?

Quick Answer: Car Insurance Without a License?

The short answer to “can you get car insurance without a license” is yes, you can buy car insurance without a license. The long answer describes in detail the difficulties you may face in that regard, but it is feasible.

Key Points

Can you get car insurance with a license? Not having a license is an obstacle to obtaining nonowners or no license car insurance, but there are a few instances where it is quite beneficial to ensure proper protection. Below are a few scenarios in which buying car insurance without a license is possible:

• Getting car insurance for an underage driver
• Getting car insurance when you have a personal driver
• Getting car insurance with a permit
• Getting car insurance when health issues keep you from driving

Some key takeaways to be mindful of:

• If you don’t have a valid driver’s license, many insurers will turn you down for coverage.
• Without a license you might still be able to buy protection by listing other drivers in your house as primary drivers on the policy.
• If your license has been suspended, you will need to find an insurance carrier willing to take you on as a high-risk driver.

Additionally, some may wonder, “can I insure a car that is not in my name?” Technically, yes. You could make the payments for that person, or you might add them to your existing policy.

What is Auto Insurance?

Basic auto insurance is mandated in most states, but can you get car insurance without a license? It provides you with financial coverage in the event of an accident. Auto insurance is a contract between you and the insurance agency that protects you against financial loss should you be involved in an accident or theft. You pay a premium and in return the insurance company agrees to pay the losses outlined in your policy. Automobile insurance covers property, liability and medical expenses.

Types of Car Insurance Explained

You may already be familiar with the general idea of car insurance but the real question still lingers whether or not you know the different types of vehicle insurance. Shopping for auto coverage can be overwhelming, but if you are familiar with the different types of insurance the process will be a lot smoother. To get started, listed below are 4 of the most common types of auto protection policies. 

Liability Coverage

This type of coverage is mandated in most states across the country. It is considered a legal requirement to drive a car even when you have car insurance but no license. Liability protection may help cover the costs of damages for injuries and property damage to others. You become legally responsible for sustained damages and injuries when involved in a covered accident.

Collision Insurance

Collision protection may help cover any damages to your car in the aftermath of an accident. It also may help in repairing or replacing an insured vehicle when asking the question can you get vehicle insurance without a license?

Comprehensive Insurance

This is an extra layer of coverage in the unfortunate event of an accident involving another vehicle. In some cases comprehensive insurance helps pay for damage to your car resulting from incidents other than collisions, including vandalism, weather-related events and accidents with animals.

Uninsured Motorist Insurance

Under this policy, you and your car are protected against uninsured drivers as well as hit-and-run accidents. Sometimes this type of coverage is paired with underinsured motorist insurance.

How to Compare Car Insurance

If you recently obtained your license, now is the time to become more familiar with car insurance. You want to find the right protection and at the same time save money. Refer to Benzinga’s table, which outlines and compares different quotes among top insurance agencies. Companies Benzinga suggests include Allstate Corp. (NYSE: ALL), Liberty Mutual Group, Nationwide Mutual Insurance Co., Progressive Corp. (NYSE: PGR) and State Farm Insurance to get you started quickly. You can compare quotes and prices as well as services to see which company best meets your needs and standards.

How to Buy Car Insurance

The first step in buying car insurance without a license is to get quotes from different car insurance providers. The most appropriate approach to this is to compare quotes from different agencies to decide which one can offer the best coverage at the lowest price. You also want to determine your state’s minimum insurance requirements. 

Next, evaluate your personal financial situation in relation to the insurance. Be sure to review your driving record, too. You can even inquire about discounts. The final steps include evaluating the reliability of the insurance company and reviewing the policy before making any final agreements.

Car Insurance Takeaways

The right insurance for you personally is determined by a few different factors. As a new teen driver your best option is to be an add-on to your parents’ insurance. An adult driver needs to look at individual insurance policies. No matter your circumstances the most effective way to find the right coverage is to get a quote. It is one fast, free and easy call away.

Frequently Asked Questions