{"id":478,"date":"2023-10-24T14:06:39","date_gmt":"2023-10-24T14:06:39","guid":{"rendered":"https:\/\/businessyield.com\/ins\/?p=478"},"modified":"2023-10-24T14:06:42","modified_gmt":"2023-10-24T14:06:42","slug":"can-you-get-car-insurance-without-a-license","status":"publish","type":"post","link":"https:\/\/businessyield.com\/ins\/car-insurance\/can-you-get-car-insurance-without-a-license\/","title":{"rendered":"Can You Get Car Insurance Without a License? Explained!"},"content":{"rendered":"

From a legal standpoint, you can get car insurance without a license, but it won’t be the usual way to do it. This is because most insurance companies won’t cover you if you don’t have a valid driver’s license. This is to make sure you meet the legal standards to drive a car in your state. Even though it’s hard, you can still try to get car insurance without a license. How can you get the cheapest car insurance without a license in California? This article has some possible answers and more to help you.<\/p>

Can You Get Car Insurance Without a License?<\/span><\/h2>

Even though obtaining car insurance without a driver’s license in California may be more challenging, it is nevertheless doable. Just make sure you have a backup plan in case you need to include someone other than yourself as the main driver on your car insurance policy. Also, if you need an SR-22, it’s essential that you search around for the best price on this type of coverage.<\/p>

Without a driver’s license, some insurance companies won’t give you coverage, but others will. But it may cost you a lot more than hiring a qualified driver. That’s because car insurance companies look at your driving record from the last three to five years when figuring out your rates. That is to say, if you don’t have a driving record, have had your license canceled, or haven’t had a license for a while, you’re usually seen as a higher risk, which means your car insurance rates will probably be higher.<\/p>

You can also expect to pay more because insurance companies consider a “coverage gap” a higher risk. This is a time when you don’t have insurance, like if you canceled your policy before your new one started or if you were between cars. Usually, a driver who has constant coverage will pay less than one who has gaps in coverage.<\/p>

Can You Get Car Insurance Without a License? Possible Reasons<\/span><\/h3>

Since getting car insurance coverage without a license might be challenging, it’s in your best interest to work with a local agent who can guide you through the application process and help you choose the most suitable auto insurance providers. Without a driver’s license, there are a few typical reasons why you might need car insurance.<\/p>

#1. You Cannot Drive Anymore<\/span><\/h4>

If you are disabled or can’t drive anymore, you might have a car for transportation but have someone else drive you, like a family member or helper. But if you are mentioned on the policy but don’t have a license, your rates could be higher.<\/p>

This means one option is to buy insurance, list your driver as the main driver, and make yourself an “excluded driver.” The benefit of listing yourself as an excluded driver is that your rates won’t be higher than if you were listed as a driver without a license. However, the drawback is that if you do drive your car and get into an accident, you won’t have any insurance coverage.<\/p>

#2. You are Insuring a Car for a minor<\/span><\/h4>

Say you’ve bought your teen driver a car. Depending on the insurance company, you may be able to get a contract for your teen’s car that is in your name. In this case, you can choose your teen as the main driver and yourself as the driver who is not allowed to drive. However, bear in mind that this choice might cost more than just adding your teen to your current insurance coverage.<\/p>

#3. You Collect Classic Cars or Have a Car in Long-Term Parking or Storage<\/span><\/h4>

regardless of whether you don’t plan to drive the classic car you just bought, you might still want to cover it. Some insurance companies offer insurance for classic cars, which is usually cheaper than standard car insurance if you don’t drive the car.<\/p>

When you store a car that isn’t a classic, you might want to get full-coverage insurance. Comprehensive-only insurance will cover your car if it is stolen, vandalized, or damaged by a natural disaster or other event other than a collision.<\/p>

#4. Your Driver\u2019s License Has Been Revoked or Suspended<\/span><\/h4>

If your license has been taken away or suspended because of things like a DUI arrest or too many tickets for traffic violations, your state or a court order might ask you to get “SR-22 insurance.”<\/p>

An SR-22 is a form that your insurance company must send to your state to prove that you have at least the minimum car insurance coverage required by your state. If you don’t own a car, getting non-owner car insurance is a good way to meet an SR-22 requirement.<\/p>

#5. You Only Have a Learner\u2019s Permit<\/span><\/h4>

Adults who only have a learner’s permit may have a harder time finding cheap car insurance. But if you already have your permit but don’t have a valid license, you need to speak to area agents to find an insurer with less strict requirements than others.<\/p>

How To Get Car Insurance Without a License<\/span><\/h2>

There are a few ways you can get car insurance without a license. But each insurance company is different and has its own rules about who can get insurance and who can’t. If you don’t have a driver’s license, some insurance companies may not give you insurance. On the other hand, some policies might demand extra steps to add a driver who doesn’t have a license. <\/p>

In essence, working with a licensed insurance agent can answer any questions you have about buying car insurance without a license that is special to a certain company. Additionally, compare car insurance quotes before deciding on a provider. Keep in mind that you may have to pay a higher price for auto insurance than you would if you were a licensed driver.<\/p>

How To Get Car Insurance Without a License: Detailed Guide<\/span><\/h3>

Here are some options for serious car insurance without a driver’s license, depending on your situation in California:<\/p>

#1. List Someone as the Primary Driver<\/span><\/h4>

The easiest way to do this is to put someone else as the primary or principal driver on the policy. That person must have a current driver’s license or a learner’s permit. A main or principal driver is the person who will be driving the car that’s insured. That can be an<\/p>