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Do you have to have a drivers license when you get insurance on a new car?


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Wiki User
2015-06-05 16:28:51
2015-06-05 16:28:51

Insurance without a Drivers License

Yes, You can buy and insure a car without a Drivers License. You just can't drive it off the lot.

Most states now require Auto Dealers to verify your drivers license and liability coverage before a customer drives off the lot with a purchase. This is to protect the car buyer as well as the rest of the public from the consequences of an accident with an uninsured driver.

One of the times that we as drivers are at higher risk of being involved in an at fault accident is after the purchase of a vehicle when we may not yet be accustomed to the subtleties and handling characteristics of a recently acquired vehicle.

State law requires that you have the minimum liability and medical limits required in order to operate a vehicle on public roads. Private roads and off road is another matter.

A vehicle can be purchased and shipped where insuring arrangements are being made elsewhere before operation. Some vehicles are purchased strictly for off road use or Farm use and may never need a license or insurance.

You can certainly buy property insurance without a drivers license, other valid ID is sufficient . Most insurance companies will require a drivers license to buy Auto Liability Insurance, others will let you buy it and then go get the license, they may require you obtain the license within 30 days. After all, you need the insurance in order to take the drivers test.

Happy Motoring

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More input from other FAQ Farmers:

  • I am unaware of a company that sells insurance to people without a drivers license number first on file. This is usually necessary to check for tickets and / or accidents. Check with your local state DOI (Dept of Insurance) for state specific laws and regulations that you & the insurance company may be subject to.
  • My company would insure you, but if there was a claim we would not pay it.

Related Questions

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Every state offers car insurance as long as you have a license. It will be more expensive if you are a new drive, as opposed to an experienced driver.

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Provisional license insurance is insurance for people who have a provisional drivers license. A provisional license is for drivers under the age of 16 who are driving with a learners permit or a person who has previously had a license revoked or suspended and who has recently obtained a new license.

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No, it is not legal to insure a car in New York without a drivers license. You must also have a license to register a car.

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States pass laws about driving and insurance. You'll have to check with the local Department of Motor Vehicles or wherever you get your drivers license.


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