The idea of getting auto insurance without having a driver’s license might seem strange, but there are certain situations in which it becomes necessary. Still, the irregularity of these situations may limit coverage options and complicate the policy purchasing process. Fortunately, a knowledgeable insurance professional, such as those at Churchill Insurance Inc., can help you navigate this task and secure appropriate coverage. 
Why Would an Unlicensed Person Need Coverage?
If a vehicle owner needs auto insurance but doesn’t have a driver’s license, it might be because they own the vehicle but will not be the one driving it. For example, the policyholder might employ a driver or plan to have a caregiver or relative take charge behind the wheel. Similarly, they might have a teenage child who has started to drive but is under 18 and unable to purchase their own policy.
What Can Someone Without a License Do to Get the Right Policy?
Regardless of the reason for their coverage needs, someone without a driver’s license will typically need to provide the name of the insured vehicle’s primary driver when purchasing an auto insurance policy. This should be the person expected to get behind the wheel the most often.
When shopping around, unlicensed individuals might have more luck finding various coverage options by shopping with smaller, regional or local auto insurance companies. Many national carriers may rely primarily on online forms, which typically require a driver’s license number.
In some cases, an unlicensed policyholder might also require an SR-22 form, such as if their license has been suspended due to traffic violations or other circumstances. This certification can be purchased through an insurance company, which can then file it with the state’s Department of Motor Vehicles.
We’re Here to Help
Contact Churchill Insurance Inc. in Yreka, California, today to learn more about auto coverage options for unlicensed vehicle owners.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.