Can You Get Car Insurance without a U.S. Driver’s License?

Licensed drivers typically know they need car insurance before they get behind the wheel. But there are occasions when you may lack a U.S. driver’s license and still need car insurance in California. Most car insurance companies require you to have an official license before they’ll approve a policy. Fortunately, auto insurance companies also offer plans to help people without official driver’s licenses stay compliant with laws and protect their property. Taking a look at these situations can help you prepare to work with your local insurance company to obtain a policy that fits your needs.

Having a Temporary Status as an Unlicensed Driver

Teenage drivers often need a little grace while they work on earning their official driver’s licenses. This is why insurance companies may allow teens with learner’s permits to be listed on auto insurance policies. If you lack a license as a parent, it may still be possible to obtain car insurance coverage for your student driver. Making sure your child has insurance during this critical time in his or her driving experience provides coverage in the event of an accident. You’ll also benefit from having financial protection for your personal vehicle when the student driver in your household is at the highest risk for having an accident.

Owning a Vehicle You Won’t Drive on Public Streets

Classic car owners often have unique needs regarding auto insurance. In California, you can own a car long after you’ve given up your driving privileges. Since you’ll still need to cover potential damages from known perils such as theft or severe storms, it’s important to obtain insurance coverage for your classic vehicle. When you work with your insurance agent, he or she can show you policies designed for vehicles that never touch public roads. If your classic car isn’t expected to go anywhere but a storage room or on a trailer, you won’t need a driver’s license to get insurance. But you’ll want to remember no one can operate your vehicle on the streets or you could be risking a costly legal violation.

Possessing a Suspended Driver’s License

Driving infractions can lead to serious penalties under the law and changes in your insurance rates and coverage options. But you also want to avoid having a lapse in auto insurance coverage if you still own a car. You’ll need to notify your auto insurance company about any changes to your driving record, including a license suspension. When you do, you can expect them to help you work out a plan to continue coverage on your vehicle. Once you regain your driving privileges, you’ll benefit from having continuous coverage on your car that helps with any rate changes.

Needing a Caregiver to Drive for Health Purposes

Many older adults and people with disabilities own vehicles but have someone else handle the driving. If you need a caregiver or loved one to drive you to appointments, you can list him or her on your insurance policy as the primary driver. Making sure your vehicle has coverage is often important, even if the caregiver has insurance on his or her personal car at home. This is especially important if you are relying on a friend or family member to drive who isn’t covered by a formal company policy.If you’re looking for the best rates on auto insurance, contact Altra Insurance Services. We also provide motorcycle, commercial, renters, and homeowners insurance. San Diego residents can call us today to speak with one of our friendly agents and receive a free quote.