Car insurance is valid without a driver’s license, as auto insurance covers the vehicle. In fact, it is probably mandatory that you keep comprehensive and collision insurance on your vehicle if you have a loan on it.
Additionally, liability insurance is required by every state and the District of Columbia, excluding New Hampshire.
In most cases, if your vehicle is registered, it must have liability insurance coverage.
Keep in mind that while you are unlicensed, you will be illegally driving your vehicle unless you have work privileges, which can have a catastrophic effect on your future licensing privileges as well, knowing your state’s laws is crucial.
There are many nuances to consider when you have no license but do have a vehicle that can have insurable losses. Let’s take a look at the common scenarios.
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Car Insurance With a Suspended License
If your license is suspended for traffic infractions or driving under the influence, you might be permitted a hardship license or work privileges depending on your state laws. These types of rights usually allow you to drive to and from work, school or medical appointments.
It is possible to have car insurance during the period while your license is suspended, and certainly if the car will be on the road at all, it must be insured to avoid further legal troubles.
Talk with your car insurance provider and explain the situation to them for advice, as each company handles suspensions differently, and each state has differing requirements for drivers with suspended licenses.
You may find that you have to shop for a new insurance company, or meet your state’s SR-22 filing requirements, like these for Florida, before you can drive again at all.
If your household contains another driver, insurance must be maintained, even if you will not be driving the vehicle.
It can be easier and less expensive to have one of your household’s other drivers buy insurance on your car if you can find an insurance company that will allow.
Another option is maintaining the policy in your name, or buying a new one, while adding a different person as the primary driver. For instance, a husband might assign his wife as the primary driver of his car.
On the other hand, if no one will be driving the car at all, an owner might opt to exclude himself and other drivers in the household from the policy, which should make it less expensive.
They can also look into storage or non-operational coverage, which covers the vehicle for comprehensive damage (theft, fire, etc.) while it is garaged. Again, talking with an insurance company, especially one where there is an established business relationship, can be helpful.
Some insurance companies will not sell a comprehensive policy without collision coverage, and as always, compare quotes to get the best prices.
Car Insurance for Those with an Expired License or No License
If a person has never had a driver’s license, or if they let it expire, they might still own a vehicle with a need to have it insured. There are a number of reasons why someone would not have a license; people with vision issues, physical problems like epilepsy or multiple sclerosis, or the physically challenged and elderly among them.
Still, these automobile owners need to get around, and they often need to keep their vehicles insured, even if another driver will be handling the behind the wheel action for them.
A good place to start shopping for insurance is online, where it is often quicker and easier to compare insurance companies, policies, and rules.
A search for the exact needs an automobile owner has in this situation, “car insurance with no license” along with adding their zip code to get information that is more customized to their area will help to ferret out the insurance companies that are receptive to these types of policies.
People’s situations are unique, and they know it better than anyone else. Do comparison shop, as there are significant differences in pricing and insurance company rules and regulations.
No matter what, be truthful with the insurance company about all circumstances, and document your conversations so that there are no misunderstandings later on.