Buy Car Insurance Without A Drivers License

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Buy Car Insurance Without A Drivers License

Typically, you wouldn’t want to buy car insurance if you don’t even have a driver’s license. But is it possible to get insurance even if you don’t have your own license? In some cases, it might be a better option than most, but why is this the case?

It sounds a bit crazy, but it’s possible to do it, although it isn’t always easy. Most insurance providers will want to look at your driver’s license before they give you an insurance plan. So if you don’t have one, how can you even get it? And what situation is best for getting insurance without an ID?

There are a few situations in which you would want to get insurance without a license. Some of these situations include:

  • If you don’t have a car or a license, but your spouse or kids will be driving, you can get insurance.
  • You can’t drive anymore, but you still have a car with you if someone you know needs to drive or get to appointments.

Those are some of the primary reasons, but there are even more factors that go into the necessity to get automobile insurance without a license. One of the main reasons is having your license revoked.

Bay car insurance without driver license

Car Insurance with a Suspended License

You might have a suspended license due to a DUI, a traffic violation, or even if you fail to pay your child support.

The state requires that insurance providers submit SR-22s as confirmation. It shows that even those with a suspended license have the state-required minimum amount of coverage for their vehicle no matter what. You may actually be required to get this kind of insurance with your suspended license. This is true if you:

  • Have had a DUI
  • Were convicted of a traffic offense
  • Have been driving on a suspended license
  • Have been in an accident that you caused without having insurance

Another essential thing to note is that insurance companies are required to offer SR-22 coverage, but they aren’t actually required to cover you. Applying for insurance requires a valid driver’s license number. If you don’t have a license, a lot of insurance companies will outright deny you. But there’s one way around it. Use the license number of the principal driver. Figure out who your primary driver is, and work with them to get insurance.

Who Is A Primary Driver?

Primary drivers can be any licensed driver, even if you don’t live with them. For example, if you are getting car insurance for your spouse, list that spouse as the primary driver. Insurance companies use the primary driver’s driving records to determine what kind of coverage you will get. The insurer only cares about what type of activity goes on with the main driver.

What About Excluded Drivers?

You might need to list yourself as an excluded driver if you don’t have a driver’s license. So, when you are the one driving, the insurance does not apply. It means that you can’t drive without a valid license, period. If you plan on getting a license in the near future, your insurance rates will likely be a lot higher than the primary driver’s rates. Remember, there are minimums required in each state. Knowing what minimums you need, along with the best amount of coverage, can save you from paying too much for auto insurance.

Why Would You Buy Auto Insurance Without A Drivers License?

Here are a few circumstances when this situation comes into play.

  • You Have An Underage Driver On Your Plan: You can’t enter an insurance contract if you are under 18. It means you need to have a relative who will get insurance for you.
  • You Have A Personal Chauffeur: Senior citizens or disabled individuals may have personal chauffeurs. They still are required to have car insurance to cover the person driving them around all day.
  • You Are About To Get Your License: Maybe you are on track to get your license, but you don’t have it yet. You can get insurance ahead of time so that your vehicle is covered in the meantime.
  • You Have An Old Car: Vintage cars still need coverage. You may not be driving it all the time, but it should be protected. This is the case even if you don’t have a license.

However, some other particular situations might merit the purchase of insurance without a license.

Get Essential Coverage For Yourself Today

You can get car insurance without having a driver’s license for many different reasons. The best way to start getting coverage is to find companies that not only offer it but have it at affordable prices. Make sure that you are covered in the event of an accident despite your own driver’s license status. It’s required to have minimum insurance, and that should take priority no matter what. Start comparing rates and get insured for less. Enter your zip code and get matched with multiple providers’ best rates.