Car Insurance with an Expired License

While it’s possible to get car insurance without a license, it isn’t an easy thing to do, as most carriers typically ask for a valid driver’s license number when you apply. Obviously, you run into a problem from the outset — if you don’t have a driver’s license, how do you get car insurance? And why would you even want to?

There are actually several scenarios where buying car insurance without a license is as much a necessity as it is practicality. Maybe you own a car and don’t have a license, but your spouse or kids will be driving and they need auto coverage. Or perhaps you can no longer drive, but keep a car on hand so that someone is able to take you to work or appointments. Or maybe you have a permit and are working towards having a license, so you want to look into buying insurance.

Takeaways

  • If you don’t have a valid license, many insurers will turn you down for coverage
  • Without a license, you still may be able to buy coverage by listing other drivers in your house as the primary drivers on the policy
  • If you have a license but it’s been suspended, you’ll need to find an insurance carrier willing to take you on as a “high-risk” driver

SR-22 car insurance

An SR-22, sometimes called a “certificate of financial responsibility” or a “certificate of liability insurance,” is a document that confirms to your state’s DMV that you have the state-minimum amounts of liability coverage. It’s not a special kind of policy; it’s a normal car insurance policy with an SR-22 form attached.

Any major insurer can submit an SR-22 form on your behalf, but they aren’t required to take you on as a customer. You’ll typically be labeled a high-risk driver, and not all insurance companies are willing to insure high-risk drivers.

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