Can You Get Car Insurance Without a Driving License?

It may come as a surprise to many drivers, but yes, you can get car insurance without a driving license. While most drivers have a valid license and a car insurance policy, there are some drivers who fall into the category of drivers who do not have a license. There are various reasons why someone may not have a license, such as medical reasons, age, or even criminal convictions. Whatever the reason, there are a few options available if you are looking to get car insurance without a driving license.

Options for Drivers Without a License

The first option is to get a non-owner car insurance policy. This type of policy is designed for people who do not own a car, but still need coverage in case of an accident or other incident. Non-owner car insurance policies are usually cheaper than regular car insurance policies, as they do not include coverage for the car itself. Non-owner car insurance policies are ideal for people who occasionally drive someone else's car, or for people who are planning to buy a car in the near future. These policies typically provide liability coverage only, so if you are looking for comprehensive or collision coverage, you will need to look elsewhere.

Another option is to get an SR-22 form. An SR-22 form is a certificate that some states require drivers to have in order to prove that they have the minimum amount of liability insurance coverage. This form is typically required for drivers who have had their license suspended or revoked due to DUI or other serious violations. If you have an SR-22 form, you can get car insurance without a driving license. However, insurance companies may charge higher rates for drivers with an SR-22 form, so it is important to shop around to get the best rate.

What You Need to Know

It is important to note that car insurance without a driving license is not always the best option. Depending on your age and driving record, you may be able to find a better rate with a standard car insurance policy. Additionally, if you do not have a valid license, you will not be able to legally drive a car. So, if you are looking for a way to get around this issue, you should look into getting a valid license first.

Getting car insurance without a driving license is possible, but it is important to understand the risks involved. Non-owner car insurance policies are typically cheaper than regular car insurance policies, but they do not provide the same level of coverage. Additionally, if you have an SR-22 form, you will likely pay higher rates. However, if you are unable to get a license due to medical or other reasons, these options may be the best way to get the coverage you need.