Auto Insurance for Unlicensed Drivers (Rates & Discounts)
Is it possible to get auto insurance if you don’t possess a license and are unlicensed driver ? Will the insurer reject your application? We’ll cover all you need to know about an unlicensed driver and getting car insurance.
If you’ve been wondering if you can get auto insurance for unlicensed drivers, you’ve come to the correct spot. You’ll discover out more about whether it’s possible to obtain automobile insurance without a license, as well as why you might want or need it in certain situations. There are several alternative possibilities that give auto insurance with no license required.
In certain states, unlicensed drivers can obtain auto insurance despite the fact that they do not possess a state-issued identification card. Some insurance companies consider having no license to be high-risk. Being included on an existing policy is one of the simplest methods to get unlicensed driver automobile insurance.
Do all drivers need insurance?
If you want to drive a car, you must have insurance. Every US state, with the exception of New Hampshire and the Commonwealth of Virginia, is required by law to possess automobile insurance.
It’s unlawful to drive a car without a current license. A first-time offense for an unlicensed driver is normally a minor violation, but penalties increase in severity if they continue to occur.
Even if the title is in someone else’s name, licensed drivers have to buy insurance. If you frequently use a friend’s car or allow friends to drive your vehicle and want enhanced protection, for example, you should get coverage.
Insurance companies also like to see consistent coverage on your automobile, which is one reason why some drivers keep their insurance when switching vehicles.
There are a few methods to get auto insurance without a driver’s license that we’ll go through in the following sections.
How can you get auto insurance with no license?
Non-licensed drivers can usually get non-auto insurance if they have someone else named as the primary driver on their automobile insurance.
Should you buy a policy with someone else listed as the primary driver to get car insurance for unlicensed drivers?
Being the policyholder with someone else designated as the primary driver is one of the simplest ways to get auto insurance without a license.
You may not have a driver’s license but still own a vehicle. For example, you might be the owner of a car yet lack a driver’s license. Even if you do not plan to drive the car yourself, you may still insure it for when your spouse, child, or friend drives it. This way, your automobile is protected from risk
If you’re the primary driver of your vehicle, add your home address to the description. Make sure the house address is correct when listing someone else as the main driver. Your automobile insurance claim may be denied if you provide an incorrect address.
Who’s allowed to be the primary driver on an auto insurance policy?
Typically, the main cause for an auto insurance policy will be someone who uses the car on a regular basis. You can also consider things like age, driving experience, and driving record since these may influence insurance rates.
Should you list yourself as an excluded driver on your car insurance with no license?
Your insurance provider may refuse your application if your license is invalid or non-existent. However, you may be able to get around this by stating yourself as an excluded driver on your policy. You can purchase auto insurance and put someone else as a primary driver, then remove yourself from driving the car. You are not permitted to drive the vehicle under this
Where can you get auto insurance without a license?
You may have Googled “no license auto insurance near me” and had no luck. Because you’re frequently labeled high-risk as an unlicensed driver, finding auto insurance might be tough.
However, some insurance providers will still sell policies to drivers who are not licensed. You’ll just need to comparison-shop around for firms that are prepared to work with you to obtain automobile coverage.
One method to do this is to contact independent agents in your region. They should be able to point you in the direction of firms that are available.
What is the cheapest car insurance for no license drivers?
We don’t have an exact price, but the best approach to discover the cheapest auto insurance rates if you don’t have a license is to begin by determining which firms will sell you a policy, as we discussed previously.
When you’re shopping for unlicensed driver insurance, the first step is to find out who you can buy coverage from as an unlicensed driver. You should obtain quotes from various firms so that you may compare rates and choose the most cost-effective policy.
Why should you buy auto insurance for unlicensed drivers?
Buying auto insurance without a driver’s license may seem odd. Even if you don’t have a valid license, there are several acceptable reasons why someone would need to buy no-driver’s-license auto insurance:
- You own a car, but you don’t want to risk it when others are behind the wheel.
- Instead of you driving yourself, several individuals take you to your weekly check-ups.
- You frequently lend your automobile to friends or family, and you want to ensure that it is secure.
- You have a vintage or old automobile that you don’t use but wish to preserve.
- After several DUIs, at-fault accidents, or similar circumstances driving with an expired license, your license was revoked.
- You are driving with an expired license, and you didn’t renew it
- You never went through driver training or received a driver’s license
- You are a student driver or hold a provisional license or learner’s permit
- You want to acquire auto insurance but plan to violate the law (without a valid license)
For all of these reasons, it’s possible that someone without a driver’s license may want to get insurance for a car. But, be cautious about allowing someone else to drive your car.
Auto Insurance for Unlicensed Drivers: What’s the Bottom Line?
There are numerous instances where an unlicensed driver may wish to purchase automobile insurance. Some individuals don’t drive their own cars, yet wish to safeguard what they have.
Finding low-cost auto insurance for unlicensed drivers isn’t difficult.
American Financial Solutions is an Insurance Agency that offers Auto Insurance services. Based in Waterbury, Connecticut, American Financial Solutions has been helping customers save money on their car insurance for over years. If you’re looking for quality auto insurance coverage in the Waterbury area, American Financial Solutions is the place to go. We offer a wide variety of policies from some of the leading providers in the industry, and we’re always happy to help our clients find the coverage that’s right for them.
American Financial Solutions is a full-service Insurance Agency offering car Insurance in Waterbury and the surrounding areas. We are dedicated to providing our clients with the coverage they need at the most competitive rates possible.