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Can unlicensed car owner buy a policy?

By Posted : 02/27/2015

I am disabled and gave up my driver’s license due to health issues but still own a car.  Can I still get car insurance?

Yes, you own the car, so you can obtain car insurance for it.  In fact, you’re legally obligated to do so.

You will, however, need to shop around to find a car insurance company that is right for your needs.

Your situation requires you to find an auto insurer that will allow you to be the named insured, but excluded as a driver.  Be aware, you’ll need have a licensed driver to list on your car insurance policy as the primary driver of your vehicle.

If you’re keeping your car so that a relative, friend or caregiver can drive you around to appointments and errands, then place the person who will be driving you around the most on your auto policy.  A licensed driver is necessary because the car insurance company to have a driver history to base rates on. 

To keep your car insurance rates lower, make certain your primary driver has a good driving record.  Past accidents or tickets of the driver would cause that person to appear more of a risk to the insurer and raise your rates. 

Even though you aren’t driving any longer, remember to keep decent liability limits. (See Insurance.com's Auto Insurance Coverage Calculator.)  As the car owner, you have vicarious liability for the actions of the driver. 

If the driver crashes, it’s your car insurance policy that would be used for the accident.  And if your limits are exceeded, you and your driver would be on the hook for any outstanding damages resulting from the incident.

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