Can You Get Car Insurance Without A Driver's License?

​Without a license, you can still purchase car insurance, which is essential if someone else is operating your car, though it may simplify the process. You can prevent potential problems, such as being penalized for driving without car insurance or getting your registration suspended, by knowing when and how to obtain car insurance while driving without a license.

Ways to Get a Car Insurance Without a License
Several insurance providers allow the primary driver, or the individual who will be driving the vehicle the most, to be designated by the person purchasing the car insurance rather than by themselves. However, some insurers don't, so you might have to seek a car insurance provider for uninsured drivers.

To check your driving background and decide what rate to charge you, the insurance company will typically request your driver's license number when you purchase auto insurance for the first time. The insurance company might request the main driver's license number if you don't have a license. They might rely on your auto insurance fee on this person's driving record. 

You might be listed on the policy as an excluded driver by the insurance company. If you choose to bring the car for a rotation and an accident happens, the business won't pay any claims. Remember that driving without a license is prohibited, regardless of whether the car is insured.

Reasons to Purchase a Car Insurance
Here are several factors that may influence your decision to buy car insurance.

1. Your child is under 18 and needs to drive. 
   Agreements between the insured person and the insurer governed by law are considered insurance policies. It would be suitable if you were 18 years old to sign an agreement in most states. You can purchase a policy and add your minor child as a licensed driver if they have a license but haven't reached the age of 18.
   
   
2. You won't always be driving without a license. 
   You must have insurance before driving if you have your driving permit and are continuing to work toward obtaining your license. If you refused to drive due to an unexpected medical condition or other circumstance, you might want to keep your protection if you intend to start driving again.
   
   
3. Your car is driven by somebody else. 
   Insurance is crucial so that anyone who needs to drive your car, including your partner, child, caretaker, or other non-owner, is protected. It's a great way to keep insurance even if you occasionally lend your vehicle to anyone who isn't the owner.
   
   
4. Your driver's license is revoked. 
   Depending on how long your driving license has been suspended, you might not be able to drive. However, continuing your insurance coverage can lead to significant savings when you start driving again. Additionally, before the state reinstates your license, you must demonstrate that you have protection.

Conclusion
It may be more challenging to obtain auto insurance without a driver's license, but it's not impossible. There are numerous reasons why you should get auto insurance, even without a driver’s license.

At Auto Express Insurance, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get insurance that fits your needs. You can get more information about our products and services by calling our agency at (832) 232-4655. Get your free quote today by CLICKING HERE.