It's possible to get car insurance without a license, and if someone other than you is going to drive your vehicle, it's necessary. However, some companies may be cautious about insuring unlicensed customers, while some states require that you include at least one licensed driver in the policy. Understanding when and how to take out unlicensed car insurance will help you avoid potential problems, such as being fined for not having car insurance when you should or having your registration suspended. We'll also help you find the best car insurance for your situation, whether you can't drive or have a recent license suspension.
Some insurance companies offer classic car insurance, which is generally cheaper than regular car insurance, especially if you don't drive the vehicle. While working with an insurance agent can help you buy unlicensed car insurance, here are some ways you can get unlicensed car insurance. Yes, you can buy car insurance with a suspended license, but you may need to obtain a restricted license or ask your insurer to file an SR-22 form with the state. The SR-22 is not a type of insurance, but rather it is a certificate issued by your insurer that shows to the DMV that you have the minimum amount of liability insurance required by your state.
This could be useful if you're trying to buy car insurance when you don't have a license, since in this category you would be labeled as a high-risk driver. Other options include getting comprehensive parked car insurance coverage or applying for SR-22 insurance. Here are answers to some of the most frequently asked questions about how to insure a car without a driver's license. And even if you can't drive the car, you'll still need insurance to protect your car if it's driven by someone else or if it's parked where it could be damaged.
Most national insurers, such as State Farm, Progressive, or Travelers, won't sell car insurance to a driver who doesn't have a valid driver's license. It's a form that the insurer files with the DMV to show that you have the state's minimum liability insurance. If you bought a classic car but don't plan to drive it, you might want to insure that valuable asset. Be prepared to show that you have valid insurance for the car before completing the sale, especially if you buy it from a dealer.