Can I buy auto insurance without a driver’s license?

Auto insurance follows the car, not the driver. Can you get auto insurance without a license? Of course, you can. You may own a vehicle and have another licensed driver designated as the primary driver on the auto insurance you buy.

In addition to having a primary driver, you may also name secondary drivers in the policy who will sometimes drive your vehicle. This is quite common for people who do not drive and use chauffeurs as their drivers.

Consider royalty and the wealthy, who may own a fleet of luxury vehicles and limousines but rarely drive any of them.

Moreover, there are those with a disability or who are elderly. This prevents them from driving, but they may still own a car and need auto insurance. They benefit from getting affordable auto insurance quotes for unlicensed drivers.

Excluded vs. Listed Drivers on Auto Insurance Policies

When the insurance company issues your auto insurance policy, it may require you to be an “excluded” driver. An excluded driver means you have no insurance coverage for your driving. This status might be changeable later; however, you should not drive unless you change your status to a listed driver.

A listed driver (also called a named driver) is stated in the auto insurance policy to indicate the insurance coverage for that person driving your vehicle.

Read more: What is the difference between named driver and any driver auto insurance?

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Reasons to Buy Auto Insurance Without a Driver’s License

Can you get auto insurance without a driver’s license? Here are some common reasons you may want to.

Classic and Collector’s Vehicles

Another reason to insure a vehicle is if it is a classic or collector’s car kept as a rarity and never driven on public roads. These owners do not need a driver’s license to buy and sell them as rare collectibles.

Caretakers

Owning a vehicle and having a caretaker be the primary driver is the situation for many who receive in-home health care and personal care assisted living. The caretaker may need to use the auto to run errands, such as picking up groceries or prescriptions.

In addition, there may be a need to transport the person to doctor visits using the vehicle owned by the patient.

Learner’s Permits

If a person has only a learner’s permit, obtaining auto insurance with a learner’s permit before getting a driver’s license is possible.

Vehicles in Transport

Insuring an auto while in transport by rail or truck does not require a driver’s license if it is not driven.

Non-U.S. Persons

Foreigners visiting the U.S. who plan to drive a car must meet the same legal insurance requirements as U.S. persons but are not required to have an American driver’s license when they have a foreign one or an international driving permit (IDP).

Therefore, those in this category may want to look at affordable auto insurance quotes for non-U.S. citizens and residents.

Read more:

• Sellers Guide: How to Sell a Classic Car
• Affordable Auto Insurance Quotes for Unlicensed Drivers

Buying Auto Insurance Without a Driver’s License: The Bottom Line

Not all insurance companies allow people to buy auto insurance without a driver’s license. However, many do, and it is easy to get a quote. In addition, you can find auto insurance quotes online that work with your budget.