Delaney Simchuk, Car Insurance Writer
Yes, you can get full coverage car insurance with no driver’s license in some cases, as long as you are not listed as a driver on the policy. You’ll be required to list at least one licensed driver when you purchase your full coverage policy, and the insurer will need to check the primary driver’s record. You will also likely have to list yourself as an “excluded driver” on the policy.
When You Can Get Full Coverage Without a License
Your age or disability prevents you from driving.
If you want to protect your vehicle with a full coverage policy but you can no longer drive, insurance companies will ask for the primary driver’s information. Some insurers do not let you list another person as the primary driver, but some do. You will also have to list yourself as an excluded driver on the policy, meaning you are not allowed to drive the vehicle.
You have a learner’s permit.
You are allowed to purchase a full coverage policy with a learner’s permit in order to be covered once you start driving your vehicle. However, make sure to check your state’s laws to know when you are allowed to drive with a permit.
You own a “classic car.”
Maybe you own a vehicle that is older and has some historical value, otherwise known as a “classic car,” that you want to protect from damage, even if you do not drive it or have a license. You probably won’t need a standard full coverage insurance policy in this circumstance, however. Instead, you should look into purchasing classic car insurance, which covers many of the same things as a standard full coverage policy but tends to be cheaper.
To learn more, check out WalletHub’s guide to full coverage car insurance.
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