Auto Insurance for Unlicensed Drivers

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So you don’t have a driver’s license but you need car insurance. Can you get car insurance without a driver’s license? Or will the insurance company block your request?

Today, we’re explaining everything you need to know about getting car insurance without a driver’s license.

car insurance for unlicensed drivers

Licensed Drivers Need Car Insurance

First, let’s make one thing clear. If you are a licensed driver and you are planning to drive a vehicle, then you need to have insurance on that vehicle. Insurance is legally required in every U.S. state except for New Hampshire and Virginia.

Typically, you buy car insurance for a vehicle you own. You are a licensed driver and you intend to drive your vehicle legally, so you buy car insurance for that vehicle.

Some licensed drivers buy car insurance even when they don’t own a vehicle. If you frequently drive a friend’s vehicle and want extra protection, for example, then you might want to have car insurance. Insurance companies also like to see continuous coverage, which is why some drivers maintain insurance coverage even when between vehicles.

For all of these reasons, a licensed driver generally needs car insurance. but what about an unlicensed driver?

Car Insurance Applications May Request your Driver’s License Number

Let’s say you want to buy car insurance even if you don’t have a valid driver’s license.

When you start applying for car insurance quotes, you might run into an issue: many car insurance applications ask for your driver’s license number.

Even if the application doesn’t ask for your driver’s license number, the insurer will still check your driving record. The insurer will request a copy of your driving history from your local DMV.

If your insurance company cannot find a driving record, or if you cannot provide a driver’s license number, then your application may quickly run into issues. The insurer may refuse to process your application, for example, or your request for car insurance may be denied.

However, there may still be ways to get car insurance for an unlicensed driver.

Reasons to Buy Car Insurance Without a Driver’s License

Buying car insurance without a driver’s license may seem like a strange concept. However, there are plenty of reasonable instances where someone may need to buy car insurance even if they don’t have a valid license:

  • You own a vehicle, want to protect that vehicle when others are driving, but don’t plan to drive it yourself
  • You don’t drive but other people drive you around to weekly appointments
  • Friends or family regularly borrow your vehicle and you want to protect that vehicle
  • You own a vintage vehicle that you don’t drive but still want to protect
  • Your license was suspended after multiple DUIs, at-fault accidents, or similar incidents
  • Your license is expired and you didn’t renew it
  • You never went through driver training or received a driver’s license
  • You are a student driver or hold a provisional license or learner’s permit
  • You plan to drive illegally (without a valid license) but still want car insurance coverage

For all of these reasons, it’s feasible that somebody without a driver’s license may want to insure a vehicle.

How to Get Car Insurance Without a Driver’s License

There are a few different ways of potentially getting auto insurance without a valid license, including:

Buy a Policy with Someone Else Listed as the Primary Driver

One of the easiest ways to buy car insurance without a license is to buy car insurance with someone else listed as the primary driver.

You might own the car but have no license, for example. You still want to insure the vehicle when your spouse, child, or friend drives the vehicle, but you don’t intend to be the primary driver yourself. When using this method, your vehicle is protected from risk, and you may be able to legitimately purchase car insurance without having a valid driver’s license.

If listing someone else as the primary driver, you need to make sure the address is accurate. List the address where the car is garaged most of the time. If you report an incorrect address, your car insurance claim could be denied.

List Yourself as an Excluded Driver

If your license is invalid (or non-existent), then your insurance company might refuse your application.

However, you may be able to get around this refusal by listing yourself as an excluded driver on your policy. You can buy car insurance and list someone else as a primary driver, then exclude yourself from driving the vehicle.

Under this system, you are not allowed to drive the vehicle at all. You are an excluded driver. If you drive the vehicle, then you will not be covered by insurance, which means you’re liable for any damages and could face severe penalties if pulled over.

Compare SR-22 Insurance Quotes

SR-22 insurance is a high-risk type of auto insurance certificate. Some drivers may require SR-22 insurance. If your license was suspended after multiple DUIs, for example, then you may be required to get SR-22 insurance. Without SR-22 insurance, your license is invalid.

Compare SR-22 insurance quotes in your region. This type of insurance can be very expensive, and some providers may turn you down if you’re unable to prove you have a license.

Other insurers, however, will be happy to accept a suspended license as long as you can provide the original driver’s license number.

Can I Buy a Car Without a Driver’s License?

If you’re shopping for car insurance without a driver’s license, then you might also be shopping for cars. So can you really buy a car without a driver’s license?

You might be able to buy a car without a valid driver’s license, but you could run into significant issues. Some car dealerships will refuse to sell you a car without a valid driver’s license, for example.

Many car dealerships require proof of insurance. If you were able to buy car insurance without a driver’s license, then you may be able to buy a vehicle without ever showing your driver’s license.

Generally, reputable dealers will make it difficult to buy a car without a driver’s license. However, you should be able to find plenty of used car dealerships and similar companies in your area that may be more flexible with license requirements.

Final Word

There are plenty of situations where an unlicensed driver might want to buy car insurance. Some people don’t drive their own vehicles, for example, but still want to protect those vehicles.

Complete car insurance applications today. By listing someone else as the primary driver, or by listing yourself as an excluded driver, you should be able to buy car insurance without a valid driver’s license.

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