Can You Get Car Insurance Without License?

If you do not have a driver's license, there is no good way to get car insurance. After all, if you get pulled over for speeding, running a red light, or other traffic violation, what's the first thing the police officer will ask to see? Your license and registration. This means he wants to see both your driver's license and your proof of insurance. These are not mutually exclusive; they go hand-in-hand. Thus, you really can't get car insurance without license.

There are, of course, exceptions to this rule. One such exception is if you have a suspended or revoked license. If you try to sign up for car insurance when your license is in a suspended or revoked status, high-risk insurance companies might grant you a policy. However, they will only give you so much time in between signing up for the policy and getting your license back before they will nullify the policy, and you'll be without insurance again.

Quite honestly, there's no reason you need car insurance without license. If you don't own a car and thus never drive, you don't need the extra expense. If you live in the city and take public transportation, and don't have a driver's license, you probably don't own a car, either. So you really shouldn't need to look into getting a car insurance policy.

However, if you've had your license revoked due to many drunk driving accidents, or have had your license taken away due to age or disability, you won't be able to get car insurance. Not only are you too much of a risk to insure, the insurance company will look at your driving record and make the determination that they can't even legally let you drive.

If you are a young driver with no driving history and are currently taking driver's education, work this out with the insurance company. Obviously, you can't legally drive on a driving permit without insurance coverage of some kind, and if you cannot get coverage under a parent's policy, the insurance company will work something out in your favor. You will have to obtain a license within a certain amount of time for the policy to stay current.

Do not try to beat the system when trying to get car insurance without license. You might be able to get an insurance policy without it, but you won't be able to keep it for more than 30-45 days or so.

If you have any questions about extraordinary circumstances regarding getting a policy without a license, you can always call an insurance agency to get your questions answered. They will tell you how to go about getting a license, or at least assist you in how to get the best coverage for your current needs.