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Do I need car insurance if I have a driver's license?
I am currently licensed, but I don't have a car or car insurance. If you have a driver’s license, do you have to have insurance?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
For the most part, if you have a license but no car, you don’t need
car insurance
. In other words, you don’t automatically need to have car insurance just because you have a driver’s license.But there are some cases where you’ll need to have a car insurance policy once you get a license, even if you don’t drive:
- You had a serious violation or license suspension in the past, are trying toreinstate your license, and need an SR-22 or FR-44 form to do so. In this case, anon-owner car insurancepolicy should satisfy your requirements.
- You are not living independently, but in a household of other licensed drivers. In this case, you’ll need to be added to the household car insurance policy—and the insurance company may even add you automatically.
Insurance companies don’t trust that you won’t ever drive a family car if you live in a household with access to cars and have a license. The primary insured person in your household may even be required to notify the company of all licensed drivers living in the house.
The opposite is true: most of the time, you’ll need a driver’s license if you want to get car insurance. Most car insurance companies and state DMVs require that you have a valid license to
register a car
and insure it.View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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