Insurance With No License - How to Obtain Insurance with No License

Insurance with no license may seem odd, but it might be a practical choice. To legally drive on public roads in the United States, a person needs to have auto insurance in almost all states. However, what happens if you own a car but lack a license?

If such is the case, you might be wondering if registering and insuring a car without a license is possible. Depending on your residence and the reason you don’t have a license, you might be allowed to do so.

Understanding the fundamentals of auto insurance is crucial, including whether or not one can obtain coverage without a license. Many major insurers refuse to cover unlicensed drivers, even though the law does not require one to hold a license to be covered.

What is Insurance with No License?

Certain insurance companies will not provide coverage to an individual who does not possess a driver’s license; however, other insurers will grant coverage. However, the price could be far higher than that of a licensed driver.

This is because when determining rates, auto insurance companies consider your driving history over the previous three to five years. Your insurance premiums will typically increase if you lack a driving record, have had your license suspended, or have been without one for several years.

These factors make you a higher-risk customer. Another reason you can expect to pay more is because insurers see an insurance “coverage gap” as a higher risk.

This is a period 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. A driver with continuous coverage will typically pay less than one with a coverage gap.

Who Should Consider Getting Insurance With no License?

Here are some explanations for why someone might require insurance even if they do not possess a driver’s license.

A medical condition is preventing you from driving: While you recover, you might not be able to renew your license. Alternatively, you might require a medical procedure before you can fulfill the legal requirements for a license, such as eye surgery. You might need insurance even if your car isn’t used while you heal, just in case it gets damaged or stolen, or to satisfy a lender’s requirement that you keep your coverage current while paying back your auto loan.
You no longer drive, but your family members use your car: Perhaps you allow your family to use your car when they need transportation, or they drive you to appointments or errands. To be protected in the event of an accident while operating a vehicle, you must obtain insurance.
You collect cars: Purchasing a car may be motivated by nostalgia or the desire to own a vintage gem. In that scenario, you should get classic car insurance to guard your investment from harm or theft.
You have a DUI conviction: Sometimes, to reinstate your license after it has been suspended due to a DUI, you will need to provide proof of auto insurance.
You have a learner’s permit: To practice driving while you’re learning, you’ll need auto insurance if you’re not covered by a partner’s or family member’s policy.
Your driver’s license has been suspended or revoked: If your driving record such as a DUI conviction or an excessive number of moving infractions has resulted in the suspension or revocation of your license, you may be required by law to obtain “SR-22 insurance.”

In each of those situations, even if you’re not driving, auto insurance would be required. You run the risk of having to pay for any damages or repairs related to an accident out of pocket if you don’t have this insurance, including any injuries to other people.

Top Companies That Offer Insurance with No License

Here are a few:

The Hartford.
Geico.
OnGuard.
Access.
Direct Auto.
Advantage Auto.
Commonwealth.
Acceptance.

Finding an insurer that will work with you and comparing rates is probably best done by working with an independent agent who has access to policies from several different companies.

CHECKOUT: Insurance Investigators – What Techniques are Used by Insurance Investigators

How to Obtain Insurance with No License

It can be difficult to obtain auto insurance without a driver’s license. Here’s a possible method to go about it:

Visit the official pages of insurers that offer car insurance with no license such as the providers mentioned above like Geico at https://www.geico.com/
Getting car insurance without a license usually requires speaking with a local agent, so scroll to the bottom of the page and click on “Contact Us”.

Click the chat icon to begin a live chat. After providing a few details, a representative will get in touch with you to help you through the entire process.

Frequently Asked Questions

Here are frequently asked questions.

Can I Get Car Insurance Without a License?

Without a license, it is still possible to obtain auto insurance, and it is required if someone else will be operating your car. However, some insurance providers might be hesitant to cover unlicensed drivers, and some states demand that the policy include at least one licensed driver.

Is Auto Insurance More Expensive Without a License?

Yes. An unlicensed individual may be seen by insurers as risky to insure, and as a result, they may raise the premium. Even if you eventually get your license back, if your license was suspended, you might have to pay a lot of money for insurance.

If Your License is Suspended, Will Your Insurance go up?

Those with a suspended license and those deemed high-risk drivers due to their driving history may have an increase in insurance rates.

Why do Car Insurance Companies Ask for Your Driver’s License?

To determine risk and determine your premium, insurance companies request a copy of your driver’s license. A summary of your driving record, including violations and accidents, can be found on your license. It also verifies your ability to drive legally, which is a prerequisite for the majority of policies.

Should I Have Insurance if I Have a Car Without a License?

Yes, even if you don’t have a valid driver’s license, you still need insurance for any car you own that you plan to drive in almost all states.

Conclusion

It is not impossible to obtain coverage without a valid license. However, it may take some time to find an insurance provider that will work with you.

Small-town or local insurers that specialize in non-standard insurance may be more willing to assist you if you are having difficulties with national insurers.