The Misconceptions about Insurance for Unlicensed Individuals
Many people automatically assume that someone who doesn’t have a license, but is looking for insurance, must have done something terrible to lose their license. This is far from being true. Here are some common scenarios where people without a license would still need insurance:
- People with disabilities may be unable to drive their own handicap-accessible vehicle, but require insurance for it since it is titled in their name.
- Seniors who no longer feel comfortable driving due to diminished eyesight or other health problems, may surrender their license but prefer to ride in their own vehicle and therefore require their own insurance.
- Vehicle owners with revoked or suspended licenses due to failure to pay a ticket or a missed traffic court date will still require insurance on their vehicles so other drivers in the household can use it until their license is reinstated.
- Military Personnel who have spent months or years overseas may have their drivers licenses expire while they perform their tour of duty. Especially if a re-deployment occurs, it may be necessary to insure a vehicle for a soldier without a license so the vehicle has at least comprehensive coverage while it isn’t being driven.
How to Get Car Insurance Without a License
First of all, don’t be nervous. If you haven’t had auto insurance up to this point, things will be a little more complicated, but it isn’t impossible to get coverage without a license. Start off by explaining your situation to your insurance agent. He or she will be more than happy to tell you exactly what the company requires in order to begin a policy. If your agent seems uneasy about writing a policy for you, go somewhere else.
If you’re looking to insure your vehicle and don’t currently hold a license for any reason other than a revocation or suspension, the process is pretty straightforward. Your agent will list you as policyholder and owner of the vehicle but another individual will be listed as primary driver. It isn’t a problem if your primary driver has insurance for their own vehicle on another policy. This policy is to ensure they are covered on your vehicle.
As a rule of thumb, it’s a good idea to choose a driver with a good driving record. Drivers between 40 and 60 years old typically get the best rates, so if you have a family member in this age range who regularly drives your vehicle, they would be a good choice for your primary driver.
Stipulations for Policyholders Without a License
Be aware that underwriting may require proof that you do not have a valid license and may even want medical documentation if you have a disability that prevents you from driving. They may also require a copy of your car title or dealership paperwork showing that you are the owner of the vehicle to be insured. While this may seem invasive, it helps protect the insurance company from people who would take out policies without listing themselves as primary driver in order to get better rates.
Getting Insurance When Your License is Suspended or Revoked
First, and most importantly, be aware that some insurance carriers will not write policies for individuals with revoked or suspended licenses. So, be sure to check with the agent before he or she begins the quote. Furthermore, do not assume that your existing auto insurance policy will continue to be effective once your license is invalid. Many states notify insurance carriers when a driver’s license is revoked so they can act accordingly.
Please note that when you get insurance for your vehicle, you will not be a covered driver while your license is invalid.
While a current title loan or car note may require you to keep coverage on the vehicle, another driver must be listed as the primary driver in order for full coverage to exist.
As you shop for insurance, remember that any good insurance agency will work with you and do their best to help you get coverage. Start comparing car insurance rates now by entering your zip code in our FREE tool below! While things may be a little more complicated without a license, it should never become a headache. Finally, above all, make sure your insurance agent is willing to do what’s best for you, because you will need him or her on your side if you ever need to file a claim.