Are you trying to understand the process of getting car insurance without a driving license? This is a common question, especially for those who buy a vehicle without a license or feel the need for insurance in special circumstances.
In this blog, we will tell you how to get car insurance without a driving license, what documents are required for it, and which companies provide such insurance.
Plus, we’ll also understand how insurance works for drivers with a suspended license or other special circumstances. Read the entire article and get answers to your questions.
Understanding Car Insurance Without a Driver’s License
Taking out car insurance without a driving license may be necessary in many circumstances, such as owning a vehicle but not driving it yourself, being a learner driver, or having a suspended license.
Car insurance is required by law in the US, whether you drive it or not. This helps in vehicle safety, legal compliance, and fulfillment of obligations.
Why might people need car insurance without a driving license?
The need to take car insurance without a driving license may arise in many circumstances. Let us know these reasons:
- Owns a vehicle but does not drive it: People who do not drive themselves, such as the elderly or disabled, often own a vehicle and authorize another driver to do the driving.
- Learning Drivers: Those who do not yet have a driving license but are learning to drive, may need car insurance.
- Buying a car for family or friends: Some people buy cars for their family members or friends and take out an insurance policy in their name as the driver.
- Driving license is suspended: If someone’s driver’s license has been suspended, but they own a vehicle, they may be required to keep insurance.
Legal and practical aspects of car insurance without driving license
It is important to understand the legal and practical aspects of taking out car insurance without a driving license:
legal requirements:
- In most states in the US, it is mandatory to have car insurance, whether you drive the car or not.
- If you own a vehicle, absence of insurance may result in legal penalties.
Practical Aspects:
- Adding a driver’s name: If you don’t have a license, you can add another licensed driver to your policy.
- Car Protection: Insurance is not only a legal requirement, but it also protects your car from accidents, theft, and natural calamities.
Insurance Options:
- Many companies offer “insurance for unlicensed drivers” option even if you do not have a driving license.
- You can ensure the safety of your car by adding “full coverage insurance without a license” to the policy.
How to Get Car Insurance Without a License
It is possible to get car insurance without a license, but it is important to follow the correct procedure. First, look for companies that offer insurance for unlicensed drivers.
Add a licensed primary driver to the policy and submit all the required documents such as vehicle registration, identity proof, and address proof. Compare different policy options and choose the right cover as per your needs.
Steps to Apply for Car Insurance as an Unlicensed Driver
Applying for car insurance without a driver’s license can be a bit challenging, but it is possible. Here is the process you should follow:
- Select the appropriate insurance company: Look for companies that offer insurance for unlicensed drivers. These companies usually offer flexible policy options.
- Nominate the primary driver: If you won’t drive yourself, add a licensed person as the primary driver on the policy.
- Choose the right cover: Choose “liability coverage” or “full coverage insurance” as per your needs.
- GET QUOTE: Ask for quotes from different companies and look at them comparatively.
- Buy Policy: Buy the policy after submitting the required documents.
Documents required to buy insurance without license
The following documents are required to buy insurance without a driving license:
- Vehicle Registration Certificate: It is necessary to show the vehicle registration for insurance.
- ID Proof: Valid identification, such as a passport or state-issued identification card.
- Driver’s license (if the primary driver is someone else): Valid license of the driver named on the policy.
- Proof of Address: Proof of residence, such as electricity bill or bank statement.
- Payment Method: Credit card, debit card or other valid payment instrument for premium payment.
Insurance Options for Unlicensed Drivers
Choosing insurance options for unlicensed drivers can be challenging, but many companies like Progressive, GEICO, The Hartford, and State Farm cater to this need.
In such cases, it is necessary to add a licensed person as the primary driver to the policy. You can also get “Full Coverage Insurance,” which includes liability, comprehensive, and collision coverage.
Which companies provide insurance for unlicensed drivers?
Getting car insurance without a driving license can be difficult, but many insurance companies offer options for such customers. Here are some of the major companies:
- Progressive: This company offers insurance options for unlicensed drivers, especially for customers who nominate someone else as the driver.
- GEICO: Gecko is especially helpful in cases where someone else has been added as the primary driver.
- The Hartford: This company offers special insurance plans for AARP members, including options for uninsured owners.
- State Farm: State Farm offers flexible policies for unlicensed vehicle owners.
- Pronto Insurance: This company offers policy options covering unlicensed drivers, especially in states like Texas.
Compare the options from these companies and select the policy as per your needs.
Can you get full coverage insurance without a license?
Yes, you can get full coverage insurance without a driving license. However, there may be certain conditions for this:
Adding primary driver name:
- You must nominate a licensed person as a driver in the policy. This person may be the one who will actually drive the car.
Discuss with companies:
- Many insurance companies offer “full coverage insurance without a license”, in which both the accident and the damage are covered.
Cover may include:
- Liability Insurance: It covers damages caused to third parties.
- Comprehensive Cover: This protects your car against damage caused by theft, fire or natural calamity.
- Collision Coverage: Covers damages caused by accidents.
legal requirements:
- Having full coverage insurance is not mandatory in most states in the US, but it is beneficial for the safety of both the vehicle and the driver.
Special Situations Related to Car Insurance Without a License
It is possible to obtain car insurance without a license under certain circumstances. SR-22 filing may be required in cases of suspended licenses, and premiums are usually higher.
You can add a licensed person as the primary driver on the policy, such as a family member or professional driver. This option not only meets the legal requirements but also ensures the safety of your vehicle.
Can you get car insurance with a suspended license?
Yes, it is possible to get car insurance despite a suspended license. However, this process can be a bit complicated and involves some special steps:
- Understanding the reason for suspension: The reason for your license suspension, such as a traffic violation or DUI, may affect insurance premiums and eligibility.
- SR-22 filing required: Many states require SR-22 filing for drivers with a suspended license. This is a certificate that the insurance company gives to the state to show that you have the required insurance coverage.
- High Premium: Premiums are usually higher when obtaining insurance with a suspended license. This is determined based on risk.
- Company Policy: Some insurance companies cover drivers with suspended licenses, such as Progressive and The Hartford.
Can unlicensed drivers add someone else as the primary driver?
Yes, unlicensed drivers can add someone else as the primary driver on the policy. The process is as follows:
- Select Licensed Driver: The person who will regularly drive your car, such as your family member or a professional driver.
- Provide driver details: Provide the insurance company with the name, license number, and driving history of the person named as the primary driver.
- Remain a policy owner: You may continue to be the owner of the vehicle and the policy holder, but the driver named on the policy will use the vehicle.
- Select Full Coverage: If you want complete protection for your vehicle, then opt for full coverage insurance.
Conclusion
Getting car insurance without a driving license may seem complicated, but with the right information and guidance it is possible.
Whether you need to add someone else as the primary driver, or take out insurance in case of a suspended license, it is important to ensure that you choose the right policy as per your needs. Compare different options and prioritize your car and financial security.