The truth is that getting car insurance with no license is simply not possible for most people. A driver’s license is mandatory for almost everyone who wants to get insurance for their vehicle because, in order to use it, you have to be able to drive it legally. However, there are a few exceptions to the rule and in those cases, it is possible to purchase auto insurance.
Exceptions to Getting Auto Insurance without a Driver’s License
There are essentially three exceptions under the law that will allow a person without a driver’s license to purchase insurance in their name.
- Have a Mexican Identification Card
- You will not be Driving the Vehicle
- Your License has been Suspended
The exception for the Mexican identification card is one that allows for those who are citizens of Mexico to obtain auto insurance without having to get a US driver’s license. The premiums will be the same as that of a US driver of the same age, gender, vehicle, and driving history.
In many cases, physically challenged persons who are unable to drive a vehicle can purchase insurance under their name and designate another driver who will be behind the wheel. This also applies to cases where a retired person who has not renewed their driver’s license chooses someone to run errands for them using their vehicle.
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In this particular case, the cost of the insurance will depend mostly on the designated driver, including their age, gender, and driving history. The type of vehicle will also play a role in how much the insurance will cost.
In both of the aforementioned cases, the cost of the insurance will be basically the same as a licensed driver would pay. However, the third exception is for those who have a revoked or suspended license and need auto insurance first before their license will be reinstated. This is the type of car insurance without license that is arguably available to most people.
Auto Insurance for Suspended Drivers:
It is important to note that not all insurance companies will provide insurance for drivers with revoked or suspended licenses. Even if renewal or a lifting of the suspension is supposed to happen soon. So, you will need to check with several different insurance companies to see if they will provide coverage under these circumstances.
Generally speaking, the cost of auto insurance for the unlicensed driver under these circumstances will be significantly higher compared to a driver that has not had their license suspended. The cost will vary greatly depending on the exact situation of the suspension such as the difference between a DUI and a buildup of small infractions over time.
However, you can expect to pay considerably more for your insurance, such as 30% and above compared to what you paid before the action that caused your suspension. About the only exception would be for those who let their driver’s license expire and did not renew in a 60 to 90-day time frame, although you can expect to pay more for getting new insurance under those circumstances as well.