You don't need to have a driver's license to purchase a car. You also don't necessarily have to have a driver's license to get insurance on a vehicle. There are a few different situations where you may need auto insurance even though you don't have a license.
Situation #1: You Only Have a Learner's Permit
If you have a learner's permit and are working towards your driver's license, you may decide to purchase a car before you get your driver's license. It is perfectly logical to want to buy a vehicle so you have one to drive when you get your driver's license.
In this case, even if you kept the car parked, or only drove under the supervision of a licensed driver, you would need car insurance on the vehicle.
Situation #2: You Don't Drive Because of Health Issues
Perhaps you have health issues that prevent you from driving, and due to those health issues, you have chosen to give up your license.
In this situation, you may choose to own a car still, but put a few designated drivers on your auto policy instead of yourself. A designated driver or primary driver is the person who will most often be driving you in your vehicle.
Situation #3: You Just Don't Drive
You don't have to have health issues to give up your license. Perhaps you never learned to drive but have found it easier to own your vehicle and have a member of your household drive you.
Just like in situation number two, you will more than likely need to put down the member of your household who drives you as the primary driver, even though you own the car.
Situation #4: You Own a Collectible Car
You may own a collectible or vintage car that you don't drive. You may take the vintage vehicle to car shows or have it on display somewhere, and you want your investment protected. In that case, you may not need a traditional car insurance policy at all.
You may need a parked or stored car insurance policy that will protect your vehicle against damage that it can sustain when parked, such as fire or flooding. This type of policy will not provide you with liability or collision coverage, though.
If you have a car that you want to carry insurance on, but you don't have a license, you should be able to find a car insurance company that will work with you. You may need to add a primary driver to the policy.
Some insurance companies may ask you to exclude yourself as a driver, which means that the policy will not cover you if you drive the vehicle, which makes sense as you don't have a license. If you find yourself in this situation, talk with an insurance agent to see how you can get your car protected.
For more information about car insurance, contact a company like The Policy Center.
