Can I buy car insurance without a driver’s license?

For one of several reasons, you may be responsible for a car but do not have a driver’s license yourself. But can you buy car insurance without a driver’s license? Perhaps you need to review a guide to collector car insurance. In this article, we’ve researched for you and can tell you how to achieve this in certain circumstances.

Can I buy car insurance without a driver’s license?

If you want car insurance without a driver’s license, you must talk with an insurance agent or shop around to speak with individual companies to look at your options.

You may be able to buy an auto insurance policy for another driver, even though you don’t have a license yourself. However, some states require applicants to provide insurance details before registering a vehicle, which may present complications for the other driver.

Why do car insurance companies need to see a driver’s license?

Most insurance companies will need to check your driver’s license to access your driving history before determining how much your annual rate should be.

Why would you need car insurance without a driver’s license?

For several reasons, you may want to buy car insurance without a driver’s license.

Getting Car Insurance When You’re No Longer Able to Drive

If you cannot drive for health reasons but still own a car, you may want to keep the vehicle but get someone else to chauffeur you. In this case, you may want to buy car insurance without a driver’s license in your name but add the other person to the policy (read our “How to Add Another Driver to Your Car Insurance Policy” for more information).

You could exclude yourself from the policy, which may help you to get lower premiums. Check with your agent to see if your insurance provider will allow driver exclusions, as this is not always possible.

Getting Car Insurance if You Want to Insure a Vehicle for a Minor Driver

In some situations, you may want to buy a vehicle for a driver under 18 who may not qualify for a loan. For example, if you don’t drive yourself, you may want to buy the best auto insurance for a young adult.

You may be able to add yourself as an “excluded” driver, which may help with lower monthly insurance costs, although a policy like this is unlikely to be cheap due to the age of the primary driver.

Getting Car Insurance Without a License as a Car Collector

Many people buy a classic or vintage car to restore it and may never intend to drive it on the public road. Some companies offer collector car insurance for this purpose, which can help to protect the vehicle from risks such as fire or theft.

Getting car insurance without a driver’s license for a vehicle that does not qualify as a classic may also be possible. Talk with your insurance agent to see if you can get a comprehensive car insurance policy on its own, which will protect the vehicle’s value when you store it on private property.

Read more: How to Get Car Insurance Without a License: An Expert Guide

But, of course, these policies do not allow you to drive the vehicle on public roads anytime, as most states have car insurance requirements and require a valid driver’s license.

Getting Car Insurance With a Suspended License

If you have too many traffic violations or convictions for offenses such as a DUI, you may be able to get SR-22 insurance. Many states require this type of insurance before reinstating a suspended license, allowing you to get behind the wheel again (read our “Best Car Insurance for Drivers with a Suspended License” for more information).

When to Buy Car Insurance Without a Driver’s License

You can buy car insurance without a driver’s license in certain circumstances. For example, you may be a car collector and intend to keep the vehicle off-road, or you may want to buy insurance for a minor driver. Talk with your insurance agent or company to see what options they may offer you.

Case Studies: Buying Car Insurance Without a Driver’s License

Case Study 1: Tom’s Car Insurance for a Non-Driving Owner

Tom owned a car but didn’t have a driver’s license due to health reasons. He wanted to keep his car but needed someone else to drive it. Tom contacted several insurance companies and found one that offered car insurance coverage for non-driving owners.

He was able to insure his car under his name and add the designated driver to the policy. This allowed him to maintain insurance coverage for his car without having a driver’s license.

Case Study 2: Emily’s Insurance for a Minor Driver

Emily wanted to buy car insurance for her teenage daughter, who had just obtained her driver’s permit. As her daughter didn’t own a car, Emily explored options for insuring her daughter as a named driver on her own policy. She reached out to different insurance companies and found one that allowed her to add her daughter as an “excluded” driver.

This enabled her to provide insurance coverage for her daughter’s driving activities while still maintaining control over the policy.

Read more: What is the difference between named driver and any driver car insurance?

Case Study 3: Jake’s Car Collector Insurance

Jake was a car collector and owned several classic cars that he didn’t drive on public roads. He wanted to protect his vehicles from risks like fire or theft and sought insurance coverage specifically designed for car collectors. After researching different insurance providers, Jake found a company that offered collector car insurance.

He was able to obtain coverage for his classic cars without a driver’s license since these vehicles were not intended for regular road use.