Best Insurance for Unlicensed Drivers

Driving without a license is illegal in most jurisdictions. However, some drivers may need to operate a vehicle without a valid driver’s license. It may be that they have never obtained a license, have had their license suspended or revoked, or they are a new driver and have not yet obtained their license. Regardless of the reason, if you are an unlicensed driver, you may find it challenging to find auto insurance coverage. In this article, we will explore the best insurance options for unlicensed drivers.

Can You Get Auto Insurance Without a License?

Auto insurance companies typically require that drivers have a valid driver’s license to purchase coverage. This is because driving without a license is illegal, and insurance companies do not want to take on the risk associated with insuring an unlicensed driver. However, some insurance companies may offer coverage to unlicensed drivers, although it may be limited.

If you are an unlicensed driver, you may be able to get insurance through a non-standard auto insurance company. Non-standard insurers specialize in providing coverage to high-risk drivers, including those with a history of accidents, tickets, or DUIs. They may also offer coverage to unlicensed drivers, although it will likely be more expensive than standard insurance policies.

Another option for unlicensed drivers is to be listed as an excluded driver on someone else’s auto insurance policy. This means that the policyholder’s insurance will not cover any accidents or damages caused by the excluded driver. It may be an option if you only need to operate a vehicle occasionally, such as driving to work.

What to Look for in Auto Insurance for Unlicensed Drivers

If you are an unlicensed driver, it is important to find an insurance policy that provides adequate coverage at an affordable price. Here are some things to consider when looking for auto insurance:

Liability Coverage

Liability coverage is required in most states and covers damages and injuries that you may cause to other drivers in an accident. It is important to have enough liability coverage to protect your assets in case of a lawsuit. Unlicensed drivers may be considered high-risk, so it may be difficult to find affordable liability coverage.

Collision Coverage

Collision coverage pays for damages to your vehicle if you are in an accident with another vehicle or object. If you have a loan or lease on your vehicle, collision coverage may be required. However, if you are an unlicensed driver, collision coverage may be more expensive or not available.

Comprehensive Coverage

Comprehensive coverage pays for damages to your vehicle caused by events such as theft, vandalism, or natural disasters. If you have a valuable car or live in an area prone to theft or natural disasters, comprehensive coverage is essential. However, unlicensed drivers may have difficulty obtaining comprehensive coverage.

Deductibles and Premiums

The deductible is the amount you pay before your insurance kicks in. Higher deductibles usually mean lower premiums, but this may not be the case for unlicensed drivers. Unlicensed drivers may be considered high-risk, which means that they may have to pay higher premiums to obtain coverage.

Best Insurance Options for Unlicensed Drivers

Here are some of the best insurance options for unlicensed drivers:

Non-Standard Auto Insurance Companies

Non-standard auto insurance companies specialize in providing coverage to high-risk drivers, including those who are unlicensed. These companies may offer liability, collision, and comprehensive coverage, although it will likely be more expensive than standard policies. Non-standard insurers include The General, SafeAuto, and Infinity Auto.

Table 1: Comparison of Non-Standard Auto Insurance Companies

Excluded Driver

If you are an unlicensed driver who only needs to drive occasionally, you may be able to be listed as an excluded driver on someone else’s auto insurance policy. This means that the policyholder’s insurance will not cover any accidents or damages caused by you. However, the policyholder’s premiums may increase if you are listed as an excluded driver.

Named Driver Insurance

Named driver insurance allows you to be listed as a secondary driver on someone else’s auto insurance policy. This means that you will be covered while driving their vehicle, but you will not be able to drive other vehicles. It may be an option for unlicensed drivers who only need to drive occasionally.

FAQ

Q: Can unlicensed drivers get auto insurance?

A: It may be possible for unlicensed drivers to get auto insurance through non-standard auto insurance companies or by being listed as an excluded driver on someone else’s policy.

Q: Will insurance companies cover unlicensed drivers?

A: Insurance companies typically require that drivers have a valid driver’s license to purchase coverage. However, some insurance companies may offer coverage to unlicensed drivers, although it may be more expensive or limited.

Q: What types of coverage should unlicensed drivers have?

A: Unlicensed drivers should have at least liability coverage to protect against damages and injuries caused to other drivers. Collision and comprehensive coverage may also be necessary, depending on the value of the vehicle and the risk of theft or natural disasters.

Q: How can unlicensed drivers find affordable insurance?

A: Unlicensed drivers may be considered high-risk, which means that they may have to pay higher premiums to obtain coverage. However, shopping around for non-standard auto insurance policies or being listed as an excluded driver may help to find more affordable coverage.

In conclusion, unlicensed drivers may face challenges when trying to find auto insurance coverage. However, there are options available, such as non-standard auto insurance companies, excluded driver policies, and named driver insurance. When shopping for insurance, consider the type of coverage you need and the cost of premiums and deductibles. With some research and patience, you can find an insurance policy that meets your needs as an unlicensed driver.