You can buy car insurance with no license in California if you’re insuring your car for someone else to drive, you want to insure a stored car against damage, or you need insurance to get or regain your license. These insurance options are available in most states, including California. To buy a policy, you will have to assure your insurance company that you won’t be driving the car illegally.
In California, you can insure your car for someone else to use by naming that person as the “primary driver” on your policy. You’ll also need to name yourself as an “excluded driver.” This tells your insurance company that you will not be driving. If you do drive the car and get into an accident, your insurer can reject any claims.
If you’re putting your vehicle into storage for a while, it’s wise to insure it against problems like theft, weather damage, vandalism and fire. That calls for comprehensive coverage. To buy it without a license, you need to cancel the car’s registration and remove the license plates before you store it.
Finally, when you apply to get your license back after a suspension, you must have at least California’s minimum liability coverage under your name. Some, but not all, insurance carriers in the state will issue you a policy and submit your required proof of insurance—an SR-22 form—to the DMV.
When you don’t have a driver’s license, you must have a good reason for needing insurance to buy a policy from any reputable company. Even with a good reason, insurers will generally classify you as high-risk and charge higher premiums.
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