Driving a car without a license is illegal, but owning a car without a license is not. In some cases, it may be necessary for a person without a license to purchase car insurance, such as when they have a car that is registered in their name but driven by someone else with a license. Here are the cheapest car insurance options for people without a license.
What is car insurance?
Car insurance is a contract between an individual and an insurance company. The individual pays a premium, and in exchange, the insurance company agrees to pay for certain damages or losses that may occur while driving a car. Car insurance is mandatory in most states, and it can be expensive.
Why is car insurance mandatory?
Car insurance is mandatory to protect drivers and other people on the road. If you get into an accident and you don’t have insurance, you may be responsible for paying for damages or injuries out of pocket. This can cost thousands of dollars, which many people cannot afford to pay.
What are the consequences of driving without insurance?
If you are caught driving without insurance, you may face fines, license suspension, and even jail time in some cases. You may also be held responsible for any damages or injuries that occur as a result of an accident.
Options for car insurance without a license
There are several options for car insurance without a license. Here are some of the cheapest options:
Non-owner car insurance
Non-owner car insurance is a type of insurance that covers you when you are driving a car that is not registered in your name. This type of insurance is often used by people who frequently rent cars or borrow cars from friends. Non-owner car insurance is typically cheaper than regular car insurance.
What does non-owner car insurance cover?
Non-owner car insurance typically covers liability, which means that it will pay for damages or injuries that you cause to other people or property. It does not cover damages or injuries that you sustain in an accident.
How much does non-owner car insurance cost?
Non-owner car insurance is typically cheaper than regular car insurance. The cost varies depending on the state you live in and your driving record, but it can be as low as $200 per year.
Named driver insurance
Named driver insurance is a type of insurance that covers a specific person who is named on the policy. This type of insurance is often used by people who own a car but cannot drive it themselves, such as elderly or disabled people. Named driver insurance is typically cheaper than regular car insurance.
What does named driver insurance cover?
Named driver insurance typically covers liability, which means that it will pay for damages or injuries that the named driver causes to other people or property. It does not cover damages or injuries that the named driver sustains in an accident.
How much does named driver insurance cost?
Named driver insurance is typically cheaper than regular car insurance. The cost varies depending on the state you live in and the driving record of the named driver, but it can be as low as $300 per year.
Cheapest car insurance companies for non-licensed drivers
Here are some of the cheapest car insurance companies for non-licensed drivers:
Company |
Cost |
GEICO |
$201-$509 |
State Farm |
$235-$444 |
Progressive |
$242-$644 |
FAQ
Can I get car insurance without a license?
Yes, you can get car insurance without a license. Non-owner car insurance and named driver insurance are two options for people without a license who need car insurance.
What is the cheapest car insurance for non-licensed drivers?
GEICO, State Farm, and Progressive are some of the cheapest car insurance companies for non-licensed drivers.
How much does non-owner car insurance cost?
Non-owner car insurance can cost as little as $200 per year, depending on the state you live in and your driving record.
How much does named driver insurance cost?
Named driver insurance can cost as little as $300 per year, depending on the state you live in and the driving record of the named driver.
What does non-owner car insurance cover?
Non-owner car insurance typically covers liability, which means that it will pay for damages or injuries that you cause to other people or property. It does not cover damages or injuries that you sustain in an accident.
What does named driver insurance cover?
Named driver insurance typically covers liability, which means that it will pay for damages or injuries that the named driver causes to other people or property. It does not cover damages or injuries that the named driver sustains in an accident.
Why is car insurance mandatory?
Car insurance is mandatory to protect drivers and other people on the road. If you get into an accident and you don’t have insurance, you may be responsible for paying for damages or injuries out of pocket. This can cost thousands of dollars, which many people cannot afford to pay.
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