If you don’t currently have a license but a vehicle, you might wonder if you can get the cheapest car insurance without a license. The short answer is yes, but it’s difficult, and not all insurers will offer it. If you have a medical condition that caused your license to be revoked, you might be able to get covered if someone other than you drives your car. 

Automobile insurance is essential for anyone who owns a vehicle, whether you have a driver’s license or not. Driving without car insurance is illegal in every state except one, and there are strict consequences for violating state insurance laws. This includes costly fines, impounding your car, or imprisonment in a worst-case scenario. But do you need your license to get car insurance?

When To Buy Car Insurance Without a Drivers License?

• You have a vehicle that is parked but need to cover it as you plan to sell it soon, and people will test drive it. 
• You want to avoid any lapse in insurance coverage so your rates won’t go up
• A family member has a valid license but cannot pay for their own auto insurance coverage
• You have a driver’s permit and need coverage
• Your vehicle is in a parking garage or storage unit 
• You cannot drive due to medical reasons but still need your vehicle covered so other family members or friends can drive it 

Finding auto insurance coverage without a driver’s license can be difficult, but it’s not impossible. Below, we’ll go over the cheapest car insurance options available for people without a license.  If you do not have a driver’s license, you may still be able to get car insurance, but you will need to do some research to find the best deals. Here are some options to consider:

Non-Owner Car Insurance

If you do not own a car but frequently rent or borrow one, non-owner car insurance may be your best option. Non-owner car insurance provides liability coverage when you are driving a car that you do not own. This type of insurance is often cheaper than traditional car insurance because it only covers liability, not the vehicle itself.

Non-owner auto insurance can be as cheap as $200 a month for drivers with a low-risk profile, but most people will pay around $300-$350 per year. Insurers like Progressive and Esurance have cheap rates for non-owner coverage. 

Parked Car Insurance

Parked car insurance, also known as storage insurance, is a type of coverage that protects your vehicle when it’s not being driven. This is particularly useful for people who have a car they only use seasonally or are planning to be away from their car for an extended period of time. If your license has been suspended or is expired, having parked car insurance can be a good option to consider.  

One thing to keep in mind is that parked car insurance is not the same as comprehensive coverage. Comprehensive coverage protects your car from damage caused by events like theft, vandalism, or weather-related incidents while parked or in motion. On the other hand, parked car insurance only covers damage caused to your car while it’s parked. If you get parked car insurance and move your car and it’s damaged, you likely will not be covered.  

What to Consider Before Getting Parked Car Insurance?

Before purchasing parked car insurance, it’s important to consider how long you’ll be leaving your car unused. If it’s only for a short period of time, say a week or two, you may not need this type of coverage. However, if you plan on storing your car for several months or longer, parked car insurance is probably a smart bet.  

Another factor to consider is where you’ll be parking your car. If you’re storing your car in a garage or other secure location, the risk of damage is lower than if you’re parking on the street. Some insurance companies may require proof of where your car will be stored before offering parked car insurance. You will probably be required to submit photos of the garage or storage center along with the leasing agreement.  

It’s also worth noting that parked car insurance typically comes with cheaper car insurance premiums with lower payments than comprehensive coverage. This is because the risk of damage is obviously a lot lower when the car is not moving. However, it’s still important to shop around and compare rates from different insurance providers to make sure you’re getting the best deal. To compare parked car insurance rates where you live, just enter your zip code and fill out a free, no-obligation quote.  

Named Driver Insurance

If you plan to drive a certain vehicle regularly but do not own it, you may be able to get named driver insurance. Named driver insurance allows you to be added to the car owner’s insurance policy as a named driver. This option is often cheaper than getting your insurance policy, but you will only be covered when driving the specific car listed on the policy. The bad news is if you don’t have a driver’s license, getting named driver insurance can be difficult as carriers will be assuming a lot of risks.

Insurance through a Family Member or Friend

If you have a family member or friend who owns a car and is willing to add you as a named driver to their insurance policy, this may be the cheapest option for you, even if you don’t have a license. However, it’s essential to make sure that you are added as a named driver and not the primary driver. Being listed as the primary driver when you do not have a driver’s license is illegal and can result in severe penalties. 

SR-22 Insurance 

Maybe you’ve recently had your driver’s license suspended and need to get an SR-22 insurance policy to get back on the road legally. First, it’s important to understand what SR-22 insurance is and why you need it. 

In short, an SR-22 is a certificate of financial responsibility that proves to your state’s Department of Motor Vehicles (DMV) that you have the necessary coverage to get behind the wheel. It’s often required for drivers who have been convicted of a DUI, reckless driving, or driving without insurance. If your license has been suspended, you will need to get SR-22 insurance and cover your vehicle with the proper coverage.  

How do you Get SR-22 Insurance with a Suspended License? 

The process can vary slightly depending on where you live, but there are a few general steps you’ll need to follow: 

1. Find an insurance company that offers SR-22 policies: Not all insurance companies offer SR-22 policies, so you may need to do a bit of research to find one that does. You can start by looking online and comparing the cheapest quotes for drivers that need SR-22 coverage. 
2. Provide the necessary documentation. Once you’ve found an insurance company, you’ll need to provide them with the necessary documentation, including your SR-22 form and proof of insurance.  
3. Pay for your policy. Depending on the company you choose, you may be required to pay for your policy in full upfront or you may be able to set up installment payment plans.   
4. Wait for confirmation: After you’ve provided all of the necessary documentation and paid for your policy, you’ll need to wait for confirmation from your state’s DMV that your SR-22 has been accepted.

It’s important to note that getting SR-22 insurance with a suspended license can be more expensive than getting a standard insurance policy. That’s because you’re considered a high-risk driver, and the insurance company is taking on more risk by insuring you. However, having the coverage you need to drive legally is important, so getting the best car insurance for a suspended license is worth the extra cost. Compare the best SR-22 Insurance from multiple providers to determine who has the cheapest rates. 

Can you Get the Cheapest Car Insurance without a License?

Getting car insurance without a driver’s license can be challenging, but it’s not impossible. The above options can help you find the cheapest car insurance without a license. Remember to consider your needs and budget when choosing an insurance policy. 

Our Rodney D Young Insurance website makes comparing quotes from different providers easy to get the best deal possible. With some research and effort, you can find cheap car insurance without a license, but it will take some work on your part.