Driver’s License: How to Obtain Car Insurance Without a License (1)

Car insurance without a driver’s license In California, one of the first things most insurance companies check when you try to get insurance is that you have a valid license. Insurance companies need to know about your driver’s license because it lets them see your driving record. The rates you are offered will be heavily influenced by your driving history. You might be surprised to learn that you can apply for and get car insurance even if you don’t have a valid driver’s license. This is because a license is such an important part of getting car insurance.

When Does an Unlicensed Driver Need Automobile Insurance?

It may seem strange to need insurance when you are not licensed to drive, but there are some situations where this is necessary.

You Have A Minor Driver

Signing an insurance policy, as mentioned in WalletHub, is signing a contract, and in most states, those under the age of 18 are not legally able to enter into one. This means that when the time comes for your teen driver to work toward obtaining a driver’s license, you may need to include them in your policy even before they have a license. Once a driver obtains a permit, they must be included in your policy and show proof of insurance coverage when taking their driving test.

You are chauffeured by a personal driver.

If you spend your entire life as a passenger in your own vehicle, chances are you’ve never bothered to get your driver’s license. This does not exempt you from having insurance. According to Diverse Insurance Broker, if you own the vehicle you ride in, you must have insurance coverage in order to legally operate it. This may also be true for senior citizens who no longer feel comfortable driving and would rather be driven. If they are transported in their own car, even if different drivers are used, it must be insured.

You own a vintage automobile.

Car enthusiasts are likely to have an antique car in their collection. These vehicles are frequently better suited for a museum than a road. Even though you might not need collision or personal injury coverage if you never drive the car, you should still insure it to protect it from theft or damage while it’s being stored. Many of these policies are provided by specialty companies and typically include basic standard coverage in the event that you ever need to drive it.

You are suffering from health issues.

Your ability to drive may be limited by a physical illness or disability, but you may still need to use your car on a regular basis. According to Policy Genius, in these cases, you will need coverage and should include your caregiver as a driver on the policy.

Your driver’s license has been suspended.

If you still own a car after your license has been suspended, you must keep it insured if you intend to keep it. Having coverage that lasts is also helpful because you’ll need the state’s minimum coverage before your license can be reinstated.

driver's license
driver’s license

How to Get Auto Insurance Without a License

After shopping around for the best policy for your needs, you’ll want to take the steps outlined below to secure your insurance. Smaller companies may be your best option if the reason for your license suspension is a suspension, as your driving record may have a greater impact on rates at a national company.

  1. Remove yourself as a driver from the policy: By removing yourself as a driver from the policy, you are legally stating that you do not have a license and will not be driving the vehicle. If you are caught driving the vehicle or are involved in an accident while driving, your insurance company will deny your claim.
  2. List the primary drivers: Because you will be an excluded driver under the policy, you must list the drivers who will be covered while driving your vehicle.

According to Zebra, if you’re having trouble finding a company to provide you with insurance because you don’t have a license, making one of the primary drivers a co-owner of your vehicle may be beneficial. This can be accomplished by adding the primary driver as a co-owner to the vehicle registration. You can apply for your policy using their name and license number this way.

Who Should Be Listed as a Primary Driver on Your Insurance Policy?

There may be several ways to add primary drivers to your insurance policy, depending on the policy. You can frequently list primary and alternate drivers to ensure that coverage is extended on the vehicle regardless of who is driving. To be listed on the policy, the driver must have a valid DMV-issued driver’s license and be legally permitted to operate a vehicle in the state.

Insurance Policy
Insurance Policy

It is critical to include anyone who will be driving the vehicle more than occasionally on the policy. Caregivers and chauffeurs should be listed as primary drivers, with other family members who assist as occasional drivers.

Obtaining Insurance While Suspended

Obtaining car insurance in California while your license is suspended can be more difficult, as insurance eligibility and rates are frequently based on driving records. Suspension is usually the result of multiple infractions or serious driving violations, such as DUI, but it can also be the result of failing to pay child support.

When you have a suspended license, the rules are slightly different than when you try to get insurance without a license because you never got one. The reason for this is that a suspension involves the state. According to Insurify, states will require insurance carriers to submit SR-22 forms to be in compliance, which state that the driver with the suspended license is carrying the state’s minimum liability coverage.

While it is possible to obtain car insurance in California without a driver’s license, it may be more difficult for drivers who have lost their license due to violations. Smaller non-national corporations are sometimes the best option for a smooth application.

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