Do you need insurance to get a driver's license in the US?

Can You Get Car Insurance Without a License?

car insurance You might be worried that it’s difficult to get car insurance with no license, but The Hartford is here to help. You don’t have to be a licensed driver to insure your car, and we can help you purchase car insurance for your specific needs.You can count on The Hartford to be there when you need us most. In fact, since 1984, The Hartford has been protecting AARP members and their families with the AARP® Auto Insurance Program from The Hartford.1  During this time, we’ve earned a record of high customer ratings for claims services and we’re proud to serve our customers well.

Can You Get Car Insurance Without a License?

So you might not need insurance to get a license, but what about the other way around? Can you get insurance without a license? What about to buy or register your car?Generally, no. Insurers usually ask for your license number when you apply for a policy, and they’ll use that number to evaluate your driving history and generate your auto insurance rates. 

However, it is possible to get auto insurance with no driver’s license in some cases, such as if you specifically exclude yourself from the policy (so your licensed family members can drive), or if you get parked-car insurance for a vehicle that will sit in storage. Of course, like most laws and regulations, the requirements vary by state.

Here’s a state-by-state breakdown of the laws surrounding getting insurance and your driver’s license. 

Video

License Plate Suspension

As mentioned above, license plate suspension is part of the penalty faced by those driving without insurance in Illinois. License plate suspension means that your driving privileges have been removed. You cannot legally drive until you have reinstated your license plates and have proof of insurance.

Can You Go To Jail For Driving Without Insurance in Illinois?

Driving without insurance in Illinois is considered a petty offense. There is, therefore, no jail time associated with driving without insurance in Illinois.

Do you need insurance if you have a license, but no car?

There is no simple yes or no answer to this particular question because it depends on your specific situation.

If you know that your teen is going to be driving other people’s vehicles, then the responsible thing to do is to purchase a non-owners policy.

If you decide to let your teen drive your vehicle and they have an accident, you could find yourself in a position where your insurance company refuses to pay.

The assumption will be that you let your teen drive often and that you chose not to add them to your policy or purchase them their own coverage.

What happens if insurance is required, but my teen doesn’t purchase any or allows the policy to default?

If you don’t have minimum coverage in the first place, your teen will be unable to get their driver’s license at all.

If, however, you have coverage when your teen gets their license, but they allow their policy to default, then the insurance company will inform the DMV.

What happens next is the same thing that would happen for any valid driver. The driver’s license is suspended until such time your teen can produce proof that they were carrying the required coverage.

According to the Rocky Mountain Insurance Association if a teen is caught, this will go on their driving record. They will receive a fine and, dependent upon where you live, your teen could end up in jail.

Frequently asked questions

Yes, you can buy insurance and register a car even if you don’t have a driver’s license, but it’s not always easy. You will likely need to list yourself as an excluded driver on the policy, and some insurers still might not sell you a policy.

You might need car insurance without a license if someone else is using a car you own or if you still have your learner’s permit but have your own car. You might also want to get insurance to protect a car that is parked or in storage or to avoid a lapse in coverage while you’re not driving.

The easiest way to get insurance without a driver’s license is to name someone who has a license as the primary driver on the policy. Insurers are more likely to give you a quote in this case. Start by getting quotes from regional and local insurers and agents, as most national insurers don’t offer quotes to unlicensed drivers.

Yes, if your license was suspended or revoked, you may need to buy insurance with an SR-22 certificate of responsibility to register your car and have your license reinstated.

Yes, you can register a car without a license. In most states, as long as you have the required paperwork including proof of insurance and valid ID, you will be able to register your car with your state DMV.

Tags