Can You Get Car Insurance Without a License?

​There are several insurance types that a person needs, and that includes auto insurance if you have a car. It protects you and other drivers if your vehicle gets stolen, damaged, or if you get involved in an accident. If you’re wondering if you can still obtain insurance without a license, the tips below might help.

Getting Car Insurance Without a Driver’s License
If you need auto insurance, but you don’t have a driver’s license yet, you can do a thing or two to ensure your vehicle has coverage. One easy suggestion is to list another person as the principal or primary driver - the person taking charge of the driving on the insured vehicle - on the policy.

These can be a:

• Parent
• Roommate
• Caretaker
• Child
• Spouse
• Sibling
• Or anyone planning to drive your car

Excluding Yourself as a Driver on the Policy
If your insurer is still having second thoughts on whether to provide for you despite naming someone else as the principal driver, don’t worry. There is yet another tactic: listing yourself on the policy as an excluded driver.

As an excluded driver, your insurance policy won’t provide the necessary coverage if ever you drive your car. It’s still not legal to drive your vehicle even if you don’t have a license. If you get involved in an accident, the auto insurance company will not provide coverage for claims concerning the accident. It will, however, get your car insured.

Get a Parked Car Policy Instead
Another way to obtain auto insurance without a license is by getting a “storage” or “parked car” policy. The coverage will offer your vehicle protection if it gets damaged while parked, assuming that the car is not used regularly.

For instance, the policy may offer coverage against the following:

• Fire
• Vandalism or theft
• Falling objects
• Water damage or flooding

Conclusion
Trying to get auto insurance without a license may be more challenging than purchasing a policy with one, but that doesn’t mean it's impossible. When looking at other options, be sure you are ready to have another name as the principal driver.

At Cornerstone Insurance Agency, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (888) 661-8831 or Click Here to request a free quote.