I don’t have a valid driver’s license – can I still get car insurance? With a few exceptions that we’ll go over below, it’s unlikely.
If you do not supply a valid driver’s license number during your auto insurance application (whether over the phone with an agent or online) in most cases you will not be able to continue with your application.
However, there are some scenarios in which you may be able to obtain insurance without a license:
In some states, if you have a Mexican identification card, you are allowed to use that as a substitute for a driver’s license, and therefore can get auto insurance if that form of identification is accepted by the insurance company.
If you do not have a driver’s license out of choice or necessity (for example, you have a disability that does not allow you to drive) then it is possible to get auto insurance on a vehicle that you own if a) you will never be driving the car and, b) you list a licensed primary driver that will be driving the car. Basically, this means that if you own a car and want to be driven around or want to pay the auto insurance bills for someone else that drives your car, you can. For example, if you are retired, have surrendered your license and want another person to run errands for you and that person doesn’t have their own insurance, this exception may work for you. That said, if you share the same address as the person that you are insuring, most likely the auto insurance company will consider you as a possible driver and factor that into your auto insurance premium..
If your license has been suspended or revoked, your state’s DMV might require you to obtain insurance before reinstating your license. While not all insurance companies are willing to set up a policy under these circumstances, many companies will, so just shop around a bit. You can then take or send proof of your insurance to your state DMV, to start the process of getting your license back.
As you can see, there are very limited circumstances where not having a valid driver’s license will allow you to insure a vehicle. For most of the adult population it is not possible to get auto insurance without a driver’s license.
To compare auto insurance quotes online, visit AnswerFinancial.com. Or if you prefer, call 1-800-258-5101 and have a licensed insurance agent walk you through your options, compare coverages and discounts, and help you through your purchase.