Can you get car insurance with an expired license? [2024 Coverage Rules]
Can you get car insurance with an expired license? Buying car insurance with an expired license is possible, but coverage is limited and premiums are higher. Car insurance rates with an expired license can increase by 20–40%. No-license car insurance options may be restricted, as 20% of insurers won’t provide coverage.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
UPDATED: Nov 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Can you get car insurance with an expired license? This concern is critical for those needing coverage but still need to determine their eligibility due to an expired license. Generally, most insurance providers require a valid driver’s license to issue a policy. However, some companies may offer coverage even if your license is expired, depending on specific circumstances, state regulations, and the insurer’s policies.
To find specific information about car insurance options available in your area, enter your ZIP code above. Discover relevant providers and policies tailored to your needs, ensuring you can make informed decisions regarding your coverage.
- You can buy car insurance with an expired license, but it may be more complex
- SR-22, parked car, and excluded driver policies may be options for insurance
- Private sellers and cash purchases may bypass license and insurance requirements
Purchasing Auto Insurance With an Expired License: What the Law Says
Can you get car insurance if your license is expired? No law states that you have to have a license to get insurance. However, despite this, most auto insurance companies will not provide car insurance for no valid license. The larger insurance companies, such as State Farm, Geico, Progressive, and Allstate, will not offer you an insurance quote without first receiving proof of your driving ability.
If you do not have a current license, there is no way for the insurance company to know whether you currently pass the vision or driving tests or are familiar with the local rules of the road.
Two, if your license has been expired for a considerable length of time, the insurance company may question your ability to drive safely or confidently. That said, you can get car insurance without a current license. You need to know where to look and what type of policies to consider.
Read More:
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
How to Get Car Insurance Without a Valid Driver’s License
If you want to buy car insurance with an expired driver’s license, you must carefully approach the search and application process. While it may be difficult to qualify for standard car insurance with an expired license, a few options are still available to obtain coverage for both your driver’s license and insurance needs.
Read more: How much does an expired license affect car insurance rates?
Look Into SR-22 Certificates
An SR-22 certificate is proof of liability insurance for drivers the state deems “high-risk” and possessing suspended licenses. Whether the state suspended your license or your license merely expired, you may be able to purchase an SR-22 certificate by labeling yourself a high-risk driver. Not all auto insurance carriers offer this type of coverage, but enough do that you should be able to find it in your state.
List Yourself as an Excluded Driver
It is not uncommon for a vehicle owner and policyholder to be two different people. For instance, elderly persons often insure their vehicle through their policies but list an adult child or caregiver as the primary driver. If you own a vehicle that another person plans to drive, you can list yourself as an excluded driver and name the other person the primary driver.
As with SR-22 certificates, not all insurance companies allow policyholders to include excluded drivers. However, if you can find one that does, this may be the simplest way to insure a car without a valid license until you renew it.
Remember that if an officer catches you driving on an expired license and as an “excluded driver,” the state will treat you as an unlicensed and uninsured driver. Both offenses come with fines and other penalties, such as vehicle impoundment.
Read More: Does car insurance cover excluded drivers?
Look Into Parked Car Insurance
Many people own vehicles they don’t drive but still want to insure in the event of accidental damage. To accommodate these needs, many insurance companies offer parked car insurance. So yes, you can get car insurance if your license is expired.
Parked car insurance, which some companies call storage car insurance or comprehensive-only coverage, provides just comprehensive coverage. This means that it will cover only damage that occurs when the vehicle is in storage or while parked. This ultimate guide for comprehensive coverage will tell you more. Types of damage against which parked car insurance safeguards include:
- Flooding
- Fire
- Vandalism
- Theft
- Falling objects
- Wild animals or rodents
Because auto insurance companies do not intend for you to drive a parked vehicle, you do not need a valid driver’s license to obtain parked car coverage. Additionally, as the risk of the vehicle sustaining damage while parked is low, a comprehensive-only policy will likely cost you considerably less than a liability policy.
As with listing yourself as an excluded driver, however, know that driving on a comprehensive-only policy is equivalent to driving while uninsured. Moreover, will insurance pay if the license expires? Your insurance policy will not pay for the damages if you get into a car accident with an expired license.
List Someone Else as a Driver
Like listing yourself as an excluded driver, you may qualify for a policy if you list someone else as the vehicle’s primary driver you wish to insure. Most insurance companies also require the primary driver to own the vehicle. However, there are some situations in which a company may make exceptions, such as in the situation of a chauffeur or caretaker.
Change Your Vehicle’s Registration
If everything fails, add another person’s name to your vehicle’s registration to establish co-ownership. You can then list the co-owner as the primary driver, which insures him or her and your vehicle.
Obtaining car insurance with an expired driver’s license can be challenging but not impossible. Each approach has its considerations, and it’s essential to understand the potential risks and requirements. Always ensure you’re compliant with state laws to avoid penalties.
Buying a Car With an Expired License
If you plan to finance a vehicle through a dealership, you will likely need to present proof of insurance, which often requires a valid driver’s license. However, you may be able to get around this requirement if you plan to purchase the vehicle with cash. The same is true if you purchase a vehicle from a private party.
However, if your license has been revoked, securing financing could be more difficult, as a revoked license may indicate a serious driving violation, raising concerns for lenders.
Read More: What to Do if Your Car Insurance Expires
Find Car Insurance To Suit Your Needs With an Expired License
If you own a vehicle, you should purchase, at a minimum, a comprehensive or parked car policy. This will protect your parked vehicle against accidental damage, such as flood damage, falling objects, vandalism, and other unforeseeable events.
Comparison of Insurance Options for Drivers with Expired Licenses
| Insurance Option | Description | Eligibility | Limitations |
|---|---|---|---|
| Standard Auto Insurance | Traditional coverage for vehicles, including liability and collision. | Must provide proof of identity and driving history. | May require license renewal for coverage approval. |
| Non-Owner Car Insurance | Provides liability coverage when driving vehicles you don't own. | Available for individuals without a current license but need coverage. | Limited to liability only; no physical damage coverage. |
| SR-22 Insurance | A certificate of financial responsibility required for high-risk drivers. | Typically required after license suspension or for certain violations. | Higher premiums and must maintain for a specific period. |
| Progressive Pay-As-You-Go | Usage-based insurance that adjusts based on driving behavior. | May be available for drivers with an expired license if driving history is acceptable. | Requires regular driving; limited options for infrequent drivers. |
| High-Risk Insurance | Coverage designed for drivers with poor driving records or lapses in licenses. | Available for drivers with expired licenses or violations on record. | Higher premiums and fewer coverage options; potential exclusions. |
| Reinstatement Programs | Specific policies aimed at reinstating driving privileges and providing coverage. | Often available through state programs or specific insurers. | Limited to specific situations; may not cover all scenarios. |
There is an auto insurance policy for just about every type of vehicle owner, even those whose licenses are currently expired. If you need auto insurance but do not have an up-to-date license, some time and research will reveal the right policy for you.
Read more: How do you get car insurance with no license?
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Exploring Insurance Options With an Expired or No License
Navigating car insurance without a valid driver’s license can be challenging, but several well-known companies offer solutions for these unique situations. If you have an expired license, Geico insurance policies may still offer coverage. Similarly, Progressive policies for an expired license can provide alternatives for drivers in such situations, allowing them to stay protected even when their license is not current.
For those with no license, AAA insurance might be an option, especially if another licensed driver is responsible for the vehicle. Additionally, if you’re still learning to drive, AAA learner permit policies can keep you covered as you work toward earning your full license.
While you can get car insurance with an expired license, your choices will be limited, and premiums are typically higher. Renewing your license should be a priority.
Brad Larson Licensed Insurance Agent
State Farm insurance does not offer driver’s license policies designed for people without a valid license, ensuring that coverage remains in place for vehicles not being driven by the policyholder. State Farm insurance without a license takes a similar approach. Car insurance without a license is more common than you might think.
Geico car insurance without a license also allows for coverage based on the individual driving the car. Infiniti insurance can also be an option for more specialized coverage, especially if you have specific or unique auto insurance needs. However, it’s important to note that if you plan to drive a vehicle with expired insurance, this could result in penalties and legal issues, so keeping your insurance current is essential to avoid complications.
Read More: Geico Car Insurance Review
Case Studies: Obtaining Auto Insurance With an Expired License
Navigating the world of auto insurance without a valid driver’s license can be challenging. These case studies illustrate how individuals in different situations found solutions that allowed them to secure coverage despite their license issues. Each story highlights unique strategies and options for obtaining insurance, showcasing the importance of exploring alternatives when faced with an expired license.
Case Study 1: The Responsible Driver
John, a responsible driver, had his driver’s license expire due to an administrative oversight. Despite having an excellent driving record, he struggled to find an insurance company willing to provide coverage with an expired license. Eventually, he discovered a small local insurance agency specializing in high-risk cases.
The agency understood John’s situation and offered him an insurance policy at a slightly higher premium to account for the expired license. John was relieved to secure coverage and ensured he renewed his license promptly.
Case Study 2: The Parked Car Owner
Sarah owned a classic car she rarely drove, keeping it parked in her garage most of the time. She wanted to protect her beloved vehicle from potential damage but didn’t have a valid driver’s license.
After researching her options, she found an insurance company offering comprehensive coverage designed for parked cars. She obtained this policy, which protected against theft, vandalism, and other non-driving-related damages, allowing her to safeguard her valuable car even without a license.
Read more: Garaged Car Insurance
Case Study 3: The Temporary Driver
Linda recently moved to a new city and planned to rely on public transportation instead of driving. However, she occasionally needed to borrow her neighbor’s car for grocery shopping and errands. Linda had no valid driver’s license, but her neighbor agreed to list her as an excluded driver on the car insurance policy.
This arrangement allowed Linda to drive her neighbor’s car legally and with the necessary insurance coverage, understanding that the insurance wouldn’t cover any accidents or violations caused by Linda.
These case studies demonstrate that various options exist, while buying car insurance without a valid driver’s license can be complex. Whether finding a specialized agency, obtaining comprehensive coverage for parked vehicles, or leveraging excluded driver arrangements, understanding your choices can lead to successful outcomes.
Final Thoughts on Buying Car Insurance With an Expired License
Buying car insurance with an expired license is possible but challenging. Exploring options like SR-22 or parked car coverage, along with private sales, can help. Learn how to file for SR-22 insurance.
Each individual’s circumstances may vary, making it crucial to research and find solutions that fit your needs. If you’re looking for specific insurance options tailored to your situation, enter your ZIP code below for more options that suit your requirements.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Frequently Asked Questions
Can I get car insurance with an expired license?
Can you get insurance with an expired license? No, typically, you cannot get car insurance with an expired license. Most insurance companies require a valid driver’s license to issue a policy.
Why do insurance companies require a valid driver’s license?
Insurance companies require a valid driver’s license because driving a vehicle is legally required. The license proves your ability to operate a vehicle legally and demonstrates your driving history, which affects the insurance rates.
What should I do if my license is expired?
If your license is expired, you should contact your local Department of Motor Vehicles (DMV) or equivalent licensing authority to renew it. Once you have a valid license, you can obtain car insurance. Finding coverage can be particularly challenging for those with a revoked driver’s license, but some companies offer specialized policies tailored to this situation.
Understanding the best car insurance for a revoked driver’s license can help individuals navigate their options and secure necessary coverage while working toward reinstatement.
Are there any exceptions or special circumstances where insurance companies may consider providing coverage with an expired license?
While uncommon, some insurance companies may offer temporary coverage or special arrangements for individuals with expired licenses, such as when the license renewal is in process. However, this varies between insurers, so it’s essential to inquire directly with the insurance company.
What are the consequences of driving without a valid license or insurance?
Driving without a valid license or insurance can have serious legal consequences. It may result in fines, license suspension, vehicle impoundment, and criminal charges. Moreover, if you are involved in an accident, you may be personally liable for damages and injuries.
Do you need proof of insurance to renew your license?
What happens if you get into an accident with an expired license?
Whether insurance covers an accident with an expired license can vary depending on the circumstances and the insurance policy. However, driving with an expired license is generally considered a violation of the terms of most insurance policies, which could affect coverage.
Can I buy a car with an expired license?
Can I buy a car if my license is expired? You’ll unlikely be able to finance a vehicle with an expired license, as lenders typically require a valid driver’s license to approve a car loan. Enter your ZIP code above for personalized options on buying car insurance with an expired license.
Can I get a driver’s license without car insurance?
Can an unlicensed driver get auto insurance? If you need car insurance, you’ll need to renew your license because insurers require a license as part of the application process. Check out how to get car insurance with no license for more information.
Does an expired driving license invalidate insurance?
Can you renew car insurance with an expired license?
While some insurers might allow you to renew car insurance with an expired license, many may not. Insurance companies typically require a valid driver’s license to renew coverage. However, if you renew your license, you should notify your insurance provider to avoid policy cancellation.
Can I get car insurance with a temporary license?
Many insurance companies will allow you to get car insurance with a temporary license. This is often a common situation for new drivers or those waiting for a renewed license. However, you may need to update your insurer once you receive your permanent license.
Can you buy a car with an expired driver’s license?
While buying a car with an expired driver’s license is technically possible, the process can be challenging. Many dealerships and financial institutions require a valid vehicle registration and financing license. You may also face difficulties insuring the vehicle has an expired license.
Can I get auto insurance without a driver’s license?
Can I get auto insurance without a license? Yes, you can get auto insurance without a driver’s license. Some insurance providers offer coverage for individuals who do not hold a valid driver’s license but own a vehicle. This is often useful if you plan to have someone else drive your vehicle or need to maintain coverage for a car you own.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.