Car Insurance Without License in 2025: Some believe that you must have a valid driver’s licence to purchase car insurance. Most of the time, having a licence is required, but there are moments when a person might still need car insurance without one. You can still purchase insurance for your car, even if it is not currently licenced in your name, you rarely use it or you have a licence that is suspended. Here, we discuss how and why you could get car insurance without a driver’s licence.
Why Would Someone Need Car Insurance Without License ?
There are several reasons a person might seek auto insurance without being a licensed driver:
1. You Own a Car But Don’t Drive
Even if someone else is driving your car for you such as a caregiver or family member, you may still want it to be insured. Anytime accidents, theft or disasters occur, insurance ensures your asset is safe.
2. You Have a Learner’s Permit
If you’re just starting to learn how to drive, you may want to get insurance ahead of getting your full license. In many places, learners should have a personal insurance plan or be included on a policy that covers a household member.
3. Your License is Suspended
A suspended license doesn’t cancel your need for insurance. Not maintaining coverage during the suspension might lead to higher premiums when your coverage is reinstated. In addition, certain states require your insurer to provide an SR-22 form showing you are responsible for your financial obligations.
4. You’re Insuring a Parked or Stored Car
Even if you don’t drive the car, you might want to protect it from risks like fire, theft, or weather damage. It is called comprehensive-only coverage or storage insurance.
How to Get Car Insurance Without a License
While it’s more challenging, you can still get car insurance without a license if you follow the right steps:
1. List a Licensed Primary Driver
2. Exclude Yourself as a Driver
Let the insurer know that you are not going to drive the car. Most of the time, they will make sure you are not covered when you drive, by labelling you as an excluded driver.
3. Be Honest With the Insurance Company
Always be transparent about your license status and who will be using the vehicle. Presenting false information can cause a policy to be cancelled or your claims to be denied.
4. Shop Around
Not all insurance providers offer policies to unlicensed individuals. You might have to get in touch with several companies before finding one that works for you. There are firms that may ask for supplementary evidence of ownership.
What Types of Coverage Are Available?
Even without a license, you can still get a variety of coverage options:
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Liability Insurance – Covers damage or injury to others if the listed driver causes an accident.
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Comprehensive Insurance – Protects against theft, fire, vandalism, and natural disasters.
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Collision Insurance – Pays for damage to your vehicle after a crash.
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Uninsured Motorist Protection – Helps cover costs if you’re hit by someone without insurance.
Final Thoughts
Braj Verma is a resident of Rajgarh in Madhya Pradesh and is a content writer and freelancer by profession. He has a degree in Political Science from Barkatullah University, Bhopal. He has expertise in subjects like credit cards, banking, loan, insurance, political analysis and digital marketing.