Are You Able to Get Car Insurance Without a Driver’s License?

Auto insurance for non-licensed car owners.

If you do not have a driver’s license, then securing auto insurance is not an easy task.  This is because most car insurance companies are not going to risk insuring someone who can’t legally drive.  However, there are some roundabout ways to secure coverage.  Here’s what you need to know about auto insurance for non-licensed car owners.

When you apply for car insurance, it is standard procedure to verify a driver’s license before issuing a policy.  If you do not have a license, then the insurance provider will likely explain that they cannot cover you and turn you away.  You should never lie to your insurer, especially about having a license.  They will find out about your fraudulent actions eventually and cancel your policy or deny you coverage when you need it the most.

However, if you own a car and really need to insure it, then you can select a primary driver.  Your primary driver should be someone very close to you, such as a blood relative or spouse.  Because the primary driver has a license, they will be the named insured on your car insurance policy.  You will be listed as an excluded driver on the policy, meaning that you will not have any coverage if you drive the vehicle. 

Please note that some preferred carriers will still not offer you coverage.  Oftentimes, unique situations are interpreted as risky ones, and standard insurance providers may not want to make themselves vulnerable.  Your best bet is working with an insurance company that specializes in high-risk auto insurance.  Once you do get your license, then you can secure a standard car insurance policy.

This is what you need to know about auto insurance for non-licensed car owners.  Do you need help with your high-risk auto insurance?  If so, then contact the team at Staybull Insurance.  We are ready to assist you with all your car coverage needs today.