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How to Get Insurance without a License

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Man driving car
Yusuke Murata/ Taxi Japan/ Getty Images

What do you do when your driver's license is suspended, but you need insurance on a car titled to you? Getting car insurance without a driver's license is not exactly easy. Try calling around to different insurance agencies and you might get brushed off immediately if you do not ask the right questions. Learn what it takes to insure a vehicle when you do not have a driver's license.

Start by Selecting a Primary Driver

The primary driver of your vehicle should be someone very close to you, a blood relative or spouse is a good start. Clearly you do not want to hand over the keys to your vehicle to just anyone.

Assumedly you would not insure a vehicle without intentions of somebody driving it. If you tell an insurance agent you do not have a license and want to insure your car, you will more than likely be told it is not possible. It is standard procedure to verify a driver's license before an insurance policy is issued.

Never lie, stretch the truth, or withhold information from an insurance agent. You are setting yourself up for future claim denial. What is the point of paying for insurance if it is not valid at the time you need it most? Be honest with an agent and ask for suggestions if they are unable to help you.

Primary Driver Lives with You
  • You, the unlicensed driver, will need to be excluded as a driver on the policy. A spouse should be able to obtain insurance on the vehicle although some preferred insurance carriers will probably decline coverage. Check with insurance carriers who write high risk policies regularly.

  • If the primary driver lives with you but is not a spouse, you can be named insured on a policy and excluded as a driver at the same time. The primary driver can then be listed as a driver on the policy. You will probably have to do a little checking around to find an insurance carrier who offers this option.
Primary Driver Does NOT Live with You
  • The primary driver might be able to insure the vehicle even though it is not titled to them under their current auto insurance policy. Many insurance carriers only allow you to insure a vehicle which is titled to the named insured. Make sure to explain who the vehicle is titled to at the time of insuring the vehicle.

  • If the first option does not work out, consider looking for alternative insurance carriers which do allow a named insured to purchase a policy for an un-owned vehicle. So you are still trying to find an insurance carrier who will let a primary driver insure the vehicle.

TIP: I believe Progressive Insurance offers policies for excluded named insured drivers and insurance for un-owned vehicles. Rules can always vary per state so please check with an authorized representative in your area.

Last Resort Option

If you are still struggling to get coverage, you might look into having your primary driver co-titled on your vehicle. Normally, having the driver titled on the vehicle will alleviate insurance problems. You will still need to be excluded as a driver seems how you are unlicensed, but coverage should be attainable fairly easily. Again choose your primary driver wisely so you do not end up with unnecessary personal conflicts arising from the situation.

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