Car insurance companies charge different prices, especially if you don’t have a driver’s license. They base their prices on risks, or the possibility that the company ends up losing money due to damages caused by the insured.
Buying car insurance is mandatory in most states in the country. That is to say: if a driver wants to drive and register his vehicle legally, he must insure his car. But can you have car insurance without a driver’s license in the United States? The answer is yes, but it will not be easy to achieve. Let’s see.
In the US, it is generally necessary to have a valid driver’s license to obtain car insurance. Insurance companies typically require that drivers be legally authorized to operate a vehicle on the roads of the state in which they reside. This means you need a driver’s license issued by the state you live in in order to get standard auto insurance.
If you don’t have a valid driver’s license, you’ll likely have difficulty getting conventional auto insurance. However, in some cases, you may be able to get car insurance without a license if you have a legitimate reason for not having a driver’s license, such as a disability that prevents you from driving.
Can you have car insurance without a driver’s license in the United States?
Driving without car insurance is a risk that can result in costly lawsuits, arrest, and even deportation if you are an undocumented immigrant. But this does not have to happen, since undocumented immigrants in the United States qualify to be covered under an auto insurance policy.
Still, many drivers without a Social Security Number (SSN) are misled into believing that it is impossible to get auto insurance without a driver’s license.
Making people believe that they cannot have auto insurance and that it is illegal for them to purchase auto coverage under the law’s standards is totally false and dangerous because it forces them to drive without insurance.
Car insurance without a car and Social Security Number?
The law requires that all car drivers have auto insurance that covers the minimum limits established by law, also known as liability coverage. This coverage guarantees that the auto insurance of the driver responsible for the accident will be able to pay at least a minimum amount to cover property damage and medical expenses to third parties.
Car insurance is purchased through insurance agencies that are private entities, that is, insurance companies that will be committed to covering you regardless of your legal status, even if you do not have a license or if it is a driver’s license from another country.
Of course, the price of your car insurance will be a little higher when you present a license from another country. Currently, 12 states in the United States and the District of Columbia offer driver’s licenses to drivers without an SSN. You just have to pass a written test, a driving test and that’s it: you can drive safely with car insurance and a driver’s license.
In any case, you should contact insurance companies directly and discuss your specific situation with an insurance agent to obtain accurate information and understand if there are options available to you in your particular state. Keep in mind that if you get insurance without a license, you will likely face higher rates and limitations on coverage. Additionally, you should make sure you comply with all local laws and regulations related to driving and auto insurance.
