Auto Insurance for Unlicensed Drivers

How to Get Auto Insurance Without a License

 You may find that you don’t have a driver’s license but you need car insurance. Is it possible to get auto insurance without holding a driver’s license? Today, we’re going to explain everything you need to know about getting auto insurance in Antioch, CA without a driver’s license.

Can you get car insurance without a driver’s license?

Having a valid driver’s license is a crucial step toward getting car insurance. Your driver’s license allows insurance companies to access and assess your driving record. Insurance companies use this information to predict the risk you pose and how much they should charge for protection. Even so, there are some ways to go about buying insurance without having a license.

Buying a car without a license

Although you can buy a car without a driver’s license, the process is much easier if you do have one. Car dealerships will have different terms in place. Some auto dealers require a photocopy of your insurance card and driver’s license before allowing you to take a test drive, while others are more focused on a sale than your legal ability to drive.

Buying auto insurance without a license

Generally, buying auto insurance without a driver’s license is difficult and expensive. Car insurance companies see risk in an unlicensed driver, regardless of your reason for being unlicensed. Some insurance companies will cover you if you have a state-issued ID card, however. Talk to your local insurance agent to find out how you can secure coverage.

Who Needs Car Insurance without a License?

You might need car insurance without a license in these scenarios:

  • If you want to insure your vintage or collectible car against theft or damage.
  • If you have a learner’s permit and are trying to get a driver’s license.
  • If you have appointed a driver for your vehicle.


How to Buy Auto Insurance for Unlicensed Drivers

Here are some ways to get car insurance for drivers without a license:

  •  Name a Licensed Primary Driver

 You can add a licensed individual as a primary driver to your policy if they live at your address and are related to you. However, in such circumstances, your insurance provider may want to list you as an excluded driver so that they do not have to bear the responsibility of accidents involving you.

  • Make a Licensed Driver the Co-Owner

Adding someone with a license to your vehicle title is a way to get car insurance without a license. However, this may be possible only if your car loan is fully paid off. Otherwise, your lender might hold the title.

Finding the right auto insurance for your needs doesn’t have to be difficult. Talk to the team at Jack Stone Insurance Agency to get started on your reliable coverage.

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