Can you get auto insurance without a license?

Auto insurance without a license can be essential for car owners who don’t have a driver’s license. This type of insurance helps protect your vehicle from damage, theft, and other risks, even if you’re not driving it. It’s also useful if someone else will be driving your car.

Major insurance companies like Geico and Progressive offer auto insurance without a license, allowing you to choose a plan that fits your needs. While insurance rates might vary, having this coverage ensures your vehicle is protected. It’s important to compare different providers to find the best policy that offers adequate protection at a reasonable cost.

After you’ve taken a look at the options available for getting insurance without a license, enter your ZIP code in our free online quote tool to compare rates and find cheap auto insurance that’s right for you.

How Can You Get Auto Insurance Without a License

Purchasing auto insurance without a license is fairly straightforward in many cases. Depending on your situation, one of these two approaches should work for you:

• Purchase a policy where you’re listed as an excluded driver and the primary driver is a licensed driver who will drive the car you’re insuring
• Purchase comprehensive auto insurance for your car in storage

That said, keep in mind that auto insurance companies aren’t all equally equipped to handle your coverage needs. For example, if you’re looking for insurance for a collector vehicle that you keep in storage, you’re probably better off speaking with an auto insurance for classic cars instead of one of the major auto insurers like Geico or Progressive.

Additionally, securing auto insurance without a license might seem complicated, but it is possible with the right approach. If you own a vehicle but don’t drive it yourself, you can still find affordable auto insurance without a driver’s license. For instance, some insurance providers offer policies specifically designed for people who own a car but rely on others to drive it. This is where auto insurance where no license is required comes into play.

In states like Maryland, you can find cheap auto insurance for unlicensed drivers in Maryland, ensuring that your vehicle is covered even if you don’t have a license. These options are particularly useful for individuals with unique circumstances, such as seniors or those with medical conditions that prevent them from driving.

When looking for coverage, start by obtaining auto insurance quotes for those without a driver’s license to compare what different companies offer. It’s essential to research the best auto insurance options for unlicensed drivers to ensure you get the coverage you need at a price you can afford.

In many cases, you can easily learn how to buy car insurance online without a license, making the process straightforward and accessible. Companies like Geico, Progressive, and AAA often provide tailored solutions, so even if you don’t drive, you can still protect your vehicle and meet legal requirements. By exploring these options, you can find a policy that suits your needs without the need for a driver’s license.

Excluded Driver Explained

Even if you don’t have a license, most insurance companies should have no problem providing insurance to you as long as it’s written into the policy that coverage won’t apply if you’re driving the car when an accident occurs. For this reason, many auto insurance companies require members of a household who won’t be driving a particular car to be listed as “excluded” on the policy for that vehicle.

An excluded driver is simply a driver that you and your insurance company agree won’t be covered by your insurance policy. For example, if you purchase collision insurance for your car and list yourself as an excluded driver, your auto insurance company won’t have to cover repairs to (or replacement of) your vehicle if you accidentally crash into someone’s property.

Basically, if you want to purchase auto insurance without a license, you’ll have to list yourself as an excluded driver. For this reason, buying auto insurance if you don’t have a driver’s license only really makes sense if you either have car in storage you want to protect or have someone else in your household who will be driving the insured vehicle. In the latter case, you’ll list this other driver (or multiple drivers) in your household as “insured” or “rated,” meaning that if they’re driving the car, it’s covered.

Furthermore, understanding the concept of an excluded driver is crucial when managing your auto insurance policy. An excluded driver is someone specifically removed from your coverage, meaning if they drive your vehicle and are involved in an accident, your insurance will not cover any damages.

For instance, if there is a high-risk driver in your household, you might choose to set them as an excluded driver on a Progressive auto insurance policy. Similarly, you can opt for excluded driver status with Geico to exclude a particular individual from your coverage, which can help keep your premiums lower by removing drivers who might increase your insurance risk.

For those without a license, navigating auto insurance coverage option can be more complex. Typically, auto insurance requirements for having a license are straightforward—insurance is designed for licensed drivers. But what happens if someone without a license can or cannot get auto insurance? While it’s more challenging, there are options.

In some states, such as Texas, you can find auto insurance available without a license in Texas, which caters to vehicle owners who don’t drive themselves, like those who rely on designated drivers. Additionally, companies like AAA offers insurance options for individuals without a license, providing coverage for vehicle owners who may not be licensed drivers.

These policies ensure that your vehicle is protected, even if you or other drivers in your household are not licensed.

Joint Ownership Auto Insurance Explained

If you’re buying car insurance without a driver’s license now but plan to get a license in the future, you may want to be prepared to switch to a joint ownership car insurance plan depending on who in your household drives your insured car. Whether you share a single car or have multiple vehicles, a joint ownership insurance policy can help you and other members of your household save on car insurance.

Joint ownership works by listing more than one person as an insured driver for a single vehicle (or group of vehicles). In other words, multiple drivers can share a car. There are a few ways this can work:

• An insured car is titled with the names of both owners (50/50 ownership on paper)
• An insured car is titled to a single owner with the other person receiving driving privileges
• Drivers with a marital relationship share ownership

As a general rule, how ownership is listed on the auto insurance policy should reflect the actual ownership of the vehicle — whoever bought the car should be listed as the owner. If you first bought car insurance before you had a driver’s license and have been letting someone else in your household drive your car, switching to joint ownership may be as easy as giving the car owner listed on your policy driving privileges.

Can You Buy Insurance for a Car in Storage Without a License

Yes, whether your car is temporarily being stored while you wait for your driver’s license or it’s a classic car that you want to keep in perfect condition, auto insurance coverage is readily available. In most cases, you’ll want to purchase a comprehensive insurance policy.

Comprehensive coverage pays for repair or replacement in the event your car is stolen, vandalized, damaged by a falling object, or even scratched by a wild animal. Basically, any damage from a source other than a collision on the road is covered by comprehensive insurance.

Where you should purchase parked car insurance from depends on your vehicle, location, and coverage needs, but you should be able to choose any major auto insurance company in your region unless you want to insure a classic or collector car.

Moreover, if you need to insure a car that is in storage but don’t have a driver’s license, you might wonder if it’s possible to get coverage. Yes, you can still buy car insurance without a driver’s license.

The key is to understand how to buy car insurance without a driver’s license, which involves finding policies that are specifically designed for situations where the owner of the vehicle does not drive. Many insurance providers offer car insurance available for drivers with no license, meaning you can protect your vehicle even if you don’t plan to operate it yourself.

When searching for coverage, it’s important to find affordable options. You can look for car insurance that doesn’t require a license to ensure you get the right protection. For those on a budget, there are options for cheap auto insurance for those without a driver’s license.

Additionally, you can find cheap full coverage car insurance without a license, which provides comprehensive protection for your vehicle while it’s in storage. Insurers like Geico, Progressive, and AAA often offer these types of policies, making it easier to keep your car protected without needing a driver’s license.

How Can You Get Auto Insurance With a Suspended License

If you’re a driver with a suspended license, you have a few more options for purchasing auto insurance than a driver without a license. However, buying auto insurance with a suspended license is almost always more expensive than purchasing insurance with an unrestricted license or no license at all.

Depending in part on the reason for your suspension, many insurance companies will refuse to grant you a policy (or extend your existing one). If you’re unable to find standard auto insurance, you may need to purchase costly, high-risk auto insurance. If you need high-risk insurance, you’ll probably need to file an SR-22 with your state as well (read our full “What Is SR-22 Insurance?” for more information).

According to Daryl Graves Law, an SR-22 is a certificate which your insurance company can issue to show that you have met your state’s minimum insurance requirements. A driver is only required to file an SR-22 if they’re ordered to by a court, as is commonly the case with suspended drivers. In some cases, a driver will have their license reinstated after filing an SR-22.

Alternatively, you may be able to save on auto insurance as a driver with a suspended license by taking one of the approaches drivers without a license use to get insurance. You can purchase comprehensive auto insurance for a vehicle that will be kept in storage, or you can ask to be listed as an excluded driver and make a driver without a suspended license the primary driver on your policy.

What to Remember About Getting Insurance Without a License

When seeking car insurance without a license, it’s essential to know that there are several options available to you. Whether your license is suspended or you don’t have one yet, you can still maintain insurance coverage. For example, you can explore Progressive auto insurance options for those without a license or look into cheap auto insurance available without a driver’s license in California if you’re in that state.

If you’re facing a suspension, getting auto insurance with a suspended license in Texas may require high-risk insurance or listing a licensed driver as the primary driver on your policy.

As you consider your options, remember that companies like Geico have specific policies designed for these situations. If your license is suspended, make sure you meet the requirements for Geico insurance with a suspended license to secure the right coverage.

Exploring Geico insurance options for a suspended license can help you stay insured while working on reinstating your driving privileges. By understanding these alternatives, you can keep your vehicle protected, even without a valid driver’s license.

Are you looking for cheap auto insurance without a license? Try our free online quote tool to compare rates from different insurance companies and find a plan that’s right for you.