Driving without a license is illegal, but it happens more often than you think. Some drivers may have lost their license due to a DUI, while others may have never obtained a license. Regardless of the reason, unlicensed drivers are not eligible for standard car insurance policies. However, that doesn’t mean they can’t get coverage. In this article, we’ll explore the options available for unlicensed drivers and answer some frequently asked questions.
Can You Get Car Insurance Without a License?
The short answer is yes, unlicensed drivers can get car insurance. However, it will be more difficult to find a company that will provide coverage. Standard car insurance policies require the driver to have a valid driver’s license. This is because insurance companies use your driving record to determine your risk level and set your premiums.
As an unlicensed driver, you won’t have a driving record for the insurance company to refer to. This can make it harder to find coverage and may lead to higher premiums. That being said, there are still options available.
Types of Car Insurance for Unlicensed Drivers
There are three main types of car insurance policies that unlicensed drivers can consider: non-owner car insurance, named driver insurance, and learner driver insurance.
Non-Owner Car Insurance
Non-owner car insurance is a type of policy designed for drivers who don’t own a car but still need liability coverage. This type of policy can be a good option for unlicensed drivers who are planning to borrow or rent a car. Non-owner car insurance policies typically provide liability coverage for bodily injury and property damage.
Named Driver Insurance
Named driver insurance is a policy that covers a specific driver rather than a specific vehicle. This type of policy can be a good option for unlicensed drivers who have access to a car but are not the primary driver. It’s important to note that the named driver must have the owner’s permission to drive the car.
The downside to named driver insurance is that the premiums may be higher than traditional car insurance. This is because the insurance company considers the named driver to be a higher risk.
Learner Driver Insurance
Learner driver insurance is a policy designed for drivers who are learning to drive and don’t yet have a full driver’s license. This type of policy can be a good option for unlicensed drivers who are working towards obtaining their license. Learner driver insurance typically provides coverage for the learner driver and their instructor.
It’s important to note that learner driver insurance policies may have restrictions, such as the type of car that can be driven and the hours during which driving is allowed.
FAQ: Car Insurance for Unlicensed Drivers
1. Can an unlicensed driver get car insurance?
Yes, unlicensed drivers can get car insurance. However, it may be more difficult to find coverage and premiums may be higher.
2. What types of car insurance are available for unlicensed drivers?
Unlicensed drivers can consider non-owner car insurance, named driver insurance, and learner driver insurance.
3. What is non-owner car insurance?
Non-owner car insurance is a type of policy designed for drivers who don’t own a car but still need liability coverage.
4. What is named driver insurance?
Named driver insurance is a policy that covers a specific driver rather than a specific vehicle.
5. What is learner driver insurance?
Learner driver insurance is a policy designed for drivers who are learning to drive and don’t yet have a full driver’s license.
6. Will premiums be higher for unlicensed drivers?
Yes, premiums may be higher for unlicensed drivers because insurance companies consider them to be a higher risk.
Conclusion
While unlicensed drivers may face challenges when it comes to obtaining car insurance, there are still options available. Non-owner car insurance, named driver insurance, and learner driver insurance are all worth considering. It’s important to shop around and compare quotes to find the best coverage and rates for your specific situation.
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