It may seem a little silly to buy auto insurance if you can’t even legally drive — kind of like buying milk when you’re lactose intolerant, right? But you can get car insurance without a license — and there are actually several scenarios in which someone might need to insure a car or cars they don’t actually drive. Here are six reasons why you would buy car insurance if you don’t have a license.
1. You own a vintage automobile.
Let’s say you have a car worthy of a museum (think of that 1961 Corvette Stingray in the movie Ferris Bueller’s Day Off) that you don’t actually drive. Sure, you may not need comprehensive, collision or personal injury coverages, but you’re going to want to protect that baby from full or partial loss just as you would your home or, say, a boat. Most of these types of insurance are sold by specialty insurers, and also can include standard automobile coverages in case you’re tempted to take it out for a little spin with your besties some sunny afternoon.
2. You own a business that employs drivers.
Maybe you personally never drive, but you own a produce delivery company, that operates a fleet of trucks. You’re going to want to insure those vehicles and their drivers against losses stemming from accidents, theft, weather-related incidents, etc.
3. You employ a chauffeur.
People who ride around in the backs of Bentleys, Rolls Royces and other fancy cars also need to have insurance coverage for their automobile and driver.
4. You are trying to get your license.
Most states offer provisional licenses to people learning how to drive. But there’s no such thing as provisional insurance. If you’re driving a car with a learner’s permit, whether you’re a teenager or an adult, the vehicle you’re driving must be insured.
5. You have an underage driver.
Most states don’t allow people under the age of 18 to enter into a contract. That means that if you have a relative like teenage son or daughter who drives, you may need to be included on the contract, even if you do not have a license.
6. You have health issues.
If you aren’t able to drive due to physical impairment but need a caregiver to drive your vehicle for you, you may be able to insure your car for that specific person or persons to drive.
Looking to buy car insurance without a license? What to know
Insurance companies are introducing new products all the time to help meet demands that are a bit out of the ordinary, like some of the examples above. There are even ways to insure a car you don’t own. Every insurer is different, and the products they offer vary by state, so you may need to shop around to find the best coverage for your needs.
Keep in mind though, while many insurers will let you include a primary driver other than yourself on an insurance policy, not all will. Some will even require that you be an “excluded driver” on the policy.
That basically means if you get insurance and make the decision to drive that vehicle, any damages you cause will likely wind up not being covered under the policy. In other words, those costs could come out of your own pocket. And even if you aren’t an excluded driver on your policy, you could be liable for any damages you cause while driving without a legal license. (Driving without a license, after all, is illegal.)
If you’re in the market for auto insurance, whether it’s for yourself, your business or your family, it’s good to understand just how much insurance coverage you need for your particular circumstances. (PolicyGenius can actually help you with that. You can compare auto insurance quotes here.)