One option might be to buy an insurance policy and list your driver as the primary operator and make yourself an “excluded driver.” The upside of listing yourself as an excluded driver is that you won’t have higher rates as a listed unlicensed driver. But as an unlicensed driver listed on the policy, you could face higher rates. If you are disabled or no longer able to drive, you might own a car for transportation but have someone else drive you, such as a family member or caregiver. Here are some common reasons you might need car insurance without a driver’s license. Since getting an auto policy without a license can be difficult, it’s a good idea to work with a local agent who can help you navigate the application process and find the best car insurance companies to suit your needs. Reasons to Get Car Insurance with No License Generally, a driver who has continuous coverage will pay less than someone who has a coverage gap. This is a period of time when you don’t have insurance, for instance if you didn’t have insurance because you canceled a policy before a new one was in place or you were between cars. If you do not have a driving record, had your license suspended or have not had a license for a number of years, you’ll generally be seen as a higher risk, which usually means higher car insurance rates.Īnother reason you can expect to pay more is because insurers see an insurance “coverage gap” as a higher risk. That’s because car insurance companies look at the last three to five years of your driving record when setting rates. But it may cost you significantly more than a licensed driver. While some insurance companies will decline coverage to someone without a driver’s license, other insurers will extend coverage. Can I Get Car Insurance Without a Driver’s License? Getting car insurance without a driver’s license can be challenging.
Or you might have a suspended license and have a court order to get car insurance. For example, due to age or health problems, you might no longer drive but still own a car that a family member drives to take you to appointments. There are several reasons why someone without a driver’s license might need car insurance.
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