There are many reasons why a person may own a car and not have a driver's license. While this isn't the way it usually works, you can still get auto insurance if you do not have a valid driver's license. It's a good thing to note, however, that if you apply for an auto insurance policy without having a license, you will likely pay higher premiums than those who do have a license.
Part of the reason having a license is so beneficial is that your insurance carrier may use the last three to five years of your driving record to calculate your level of risk. Without having that information to draw from, they will have to estimate your risk in other ways, which will generally result in higher than average premiums.
Many elderly or disabled people who can no longer drive still own a car that they use for personal transportation. It will be easier to get an insurance policy if you have a list of people who may be allowed to drive your vehicle. Your insurance costs may be somewhat higher than if you had your own license, but at least the coverage will be in place, and your vehicle will be protected.
If you are buying a car for a minor but aren't going to be putting it in their name until they are older, you can provide this information to your insurance agent so they can list the minor as a driver on the policy. You will get the coverage they need to drive safely and the confidence you need that they are sufficiently covered.
Another reason to buy an auto insurance policy without having a driver's license is if you are a collector and will be storing your vehicle for display. If it won't be driven, you may just need to purchase a storage policy that will cover the cost if it is stolen or the repair costs if damaged in any way.
If you have lost your license due to a DUI or other infraction, you will need to get your insurance reinstated before getting your license back. You will need to get sufficient insurance to fulfill the SR-22 insurance requirements for your state. This means that you will have the bare minimum amount of insurance in place to be legal on the roads when you get your license back.
If you need to insure your car and do not have a driver's license, you will need to speak to a reputable agent. Call our agents at Bell Black Insurance to get the auto insurance coverage you need without the hassle of having to continually explain why you do not have a driver's license. Contact us today to learn more!