Can I Get Car Insurance Without a License?

To some people, getting car insurance without a driver’s license might seem like a strange concept. After all, you need a driver’s license to drive a car on public roads legally; yet, there are plenty of reasons why people without a license want to insure a vehicle.

What’s more, the reasons for doing so will make complete sense once you understand the motivation. In short, yes, you can get car insurance without a license. But why would you want to do that? Here are some reasons:

You Bought a Car as a Gift for Someone

There are many occasions where someone buys a car as a gift for a spouse or family member. For example, parents might buy a car for their teenage child and present it to them on their 16th birthday.

In those circumstances, they want to ensure that the car has insurance to protect it against theft or accidental damage. Parents don’t legally need to have a driver’s license to buy a car for their offspring.

What’s more, they can have the vehicle delivered to them from the dealership or seller and ask them to park it in their garage.

You Want Someone to Drive You Around

It’s no secret that many people who did have driver’s licenses find they can no longer drive a car due to medical reasons. The thing is, those individuals may not want to relinquish ownership of their vehicle as it gives them independence.

A person might surrender their driver’s license, but it doesn’t mean they must also sell their car. Instead, they can insure the vehicle and ask a family member or friend to drive them around in it.

You Collect Vintage Cars

There’s no law preventing you from buying cars if you don’t have a driver’s license. If you have no intention of driving a vehicle on public roads, you don’t need a license. Some people may have a love of cars but don’t want to drive them around.

It might surprise you to learn that some people collect vintage cars, either as investments or as restoration projects, yet have no intention of driving them.

Your Driver’s License Got Suspended

If a person’s driver’s license got suspended, the state or court might require them to submit an SR-22 or FR-44 filing before they can get it back. In the meantime, their vehicle is likely sitting in their driveway, or the road outside their home.

They want to make sure their car still has insurance to cover against theft or damage (accidental or deliberate).

You Want to Learn to Drive

Finally, if you’ve never driven a car before, but you want to learn how to drive, you may wish to buy a car first before applying for your provisional driver’s license or learner’s permit. You may decide buying the vehicle first makes sense, especially if you want to buy a rare model.

Having a car on your driveway or in your garage can motivate you to get driving lessons and pass your driving test sooner rather than later.

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