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Is a License Required for Auto Insurance?

Here's what you need to know...
  • You can still get car insurance on a suspended license but it will be more difficult and costly
  • Any circumstance in which an unlicensed driver wants to allow a licensed driver to operate his vehicle requires insurance
  • Every state in the union requires that you be licensed with them if you establish residency in that state

As strange as it may seem, you don’t necessarily need a driver’s license in order to purchase car insurance. Many people do not separate the two in their minds and find this hard to believe.

Nonetheless, there are a variety of reasons why someone without a driver’s license might want to insure their vehicle. Although it can be a hassle, it is possible to buy insurance coverage even without a driver’s license.

Technically speaking, when you purchase car insurance you are really covering drivers, passengers, and others on the road as much as you are your own car.

Therefore, if there’s any possibility that someone else will be driving your car, you will need to have it insured and registered legally.

If not, and someone gets caught driving it anyway, you could be held liable to the extent that you allowed your uninsured and unregistered vehicle to leave your property.

If you’re looking for car insurance quotes you’ve come to the right place! Simply¬†enter your zip code above¬†to get started.

What kinds of circumstances would require an unlicensed driver to have car insurance?

adobestock_51386399-1600x1600Any circumstance in which an unlicensed driver wants to allow a licensed driver to operate his vehicle requires insurance. You can think of this in terms of a father who might have had his license taken away because of a medical condition that makes him no longer fit to drive.

If he then wants his 19-year-old son to be able to drive his vehicle, that vehicle must still be insured and registered. The father can insure the car as its owner, while the son becomes the primary driver.

In cases like this your car insurance company will request information on all the drivers who will normally operate your vehicle.

Your rates will be determined, at least to some degree, by the driving history of those individuals.

Using our previous example of the 19-year-old son, premiums will be in line with typical policies for males of that age. If the father continues with his son on his policy, they should both see the rate drop when the son is around age 25; it will drop even further if the son gets married.

It is important to understand that many states, like Florida and New York, require that you carry insurance on any vehicle that is registered, regardless of whether or not that vehicle is actually driven (see the Florida Department of Highway Safety and Motor Vehicles’ Vehicle Insurance Questions and Answers).

Therefore, if the 19-year-old son decided to purchase his own vehicle instead of using his father’s car, the registration on his father’s car would need to be surrendered before the insurance policy could be canceled.

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What if my lack of license is due to a suspension?

You can still get car insurance on a suspended license but it will be more difficult and costly. The number one rule of thumb in such circumstances is to be completely honest with your insurance company.

As long as you tell them the truth, and it can be verified according to your driving record, they will most likely reward your honesty with an insurance policy.

That said, be prepared to pay higher premiums due to your suspended license.

Remember that a suspended license represents risk to your car insurance company; a risk for which they will charge more money.

Also be aware that driving your vehicle while your license is under suspension is just asking for trouble. If you’re caught, your insurance company will find out.

They will then have the option to raise your rates or cancel your policy outright. The purpose for having car insurance with a suspended license is only to keep your registration intact and allow other drivers to use your vehicle.

What are the ramifications of moving to a new state and not obtaining a license?

united-states-of-america-map-1600x1600Every state in the union requires that you be licensed with them if you establish residency in that state. Most also have laws on the books that prohibit drivers from holding multiple licenses from different states.

Maryland (see Maryland Driver Licensing Information), California, and Florida are just three examples.

In addition, residency in a new state also requires that you transfer your insurance and get new tags. All of this makes getting a new auto policy in your new state somewhat of a hassle.

The most logical method of doing so would indicate that you first transfer your insurance to your new state, or purchase a new policy altogether.

Next, surrender your registration and tags from your old state and procure registration and tags from your new one. Finally, apply for your new driver’s license and furnish that information to your car insurance company.

There is some overlap in all three steps but, by and large, following a process similar to this will mitigate most of the confusion.

Now that you’re done reading, start searching for car insurance rates online by entering your zip code into the free comparison tool at the bottom of the page!

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