Do you need insurance if you have a license but no car?
Asked by: Prof. Connie Ryan | Last update: November 9, 2025Score: 4.9/5 (69 votes)
Do I need car insurance if I don't drive my car?
Do I have to insure my car if I'm not driving it? No, you don't have to insure your car if it won't be driven at all, whether that's due to the car breaking down, your license being suspended, or a change in your driving needs.
Can you have a Florida driver's license without insurance?
Failure to maintain required insurance coverage in Florida may result in the suspension of your driver license/registration and a requirement to pay a reinstatement fee of up to $500.
Can you have a driver's license if you don't have a car?
You can borrow a friend's or family member's vehicle instead. As long as it is insured, and the owner has given you permission to drive it, you can use it to take the test — even if the owner is not with you. Some driving schools have their own fleet of vehicles that can be used for the road test.
How long can I be without car insurance?
It is a crime to drive almost anywhere without car insurance coverage, even for a minute or just down the street. So, how long can you be without car insurance? If you're driving, you can't. Anytime you get behind the wheel as a licensed driver, you need insurance coverage or you'll risk incurring major consequences.
Do You Need To Have A Driver’s License To Get Auto Insurance?
How to practice for a driving test without a car?
Yes, you can learn basic driving theory and skills without a car by using driving simulators and educational software. These tools can help you understand vehicle controls, traffic rules, and driving techniques in a virtual environment.
How many people drive without a license?
About 9% of adult Americans don't have a valid driver's license but it's a guess how many of that group actually drive without a license. The age groups with the highest percentage without a driver's license are 19 years old and under (60.5%), 85 and older (30.9%) and 20 to 24 (19.0%).
Do I need insurance if I have a license but don't drive?
There's no reason to have insurance coverage if you never drive. If you don't own a car, you aren't legally required to have an auto insurance policy. If you don't own but drive a borrowed car occasionally, purchasing insurance may not be necessary if the car's owner has adequate coverage.
Who normally has the cheapest car insurance?
Geico, Nationwide and Travelers are among the least expensive for car insurance. Americans are paying a lot for car insurance these days: Average annual rates for a full coverage policy are up to $2,638 per year, while minimum coverage averages $767 per year.
Do I need car insurance if I don't have a car in Florida?
In Florida, Non-Owners Insurance is a specialized form of insurance designed for those who don't own a vehicle but still require coverage. This type of insurance is perfect for individuals who frequently rent cars, use car-sharing services, or are between cars.
Do you need insurance if you have a license but no car in NC?
You must have liability insurance to get a driver's license in North Carolina. If you don't own a car, you must get “non-owner's liability insurance”. Collision Insurance: Payment for repair of your car when it is damaged in a collision, even if you are at fault.
Can my husband drive my car if he is not on my insurance?
Usually, yes. Your car insurance coverage should be able to extend to anyone else driving your car. Even if someone isn't listed on the policy, they can operate your vehicle. If you explicitly name someone as an excluded driver in your policy, however, none of this applies to them.
What is the minimum car insurance required in Florida?
According to Florida law, if you own a motor vehicle with four or more wheels you must carry $10,000 of personal injury protection (PIP) insurance and a minimum of $10,000 of property damage liability insurance.
At what age is car insurance cheapest?
Experienced drivers are less likely to have accident claims, which means they cost less to insure. At Progressive, the average premium per driver tends to decrease significantly from 19-34 and then stabilize or decrease slightly from 34-75. At age 75, the average premium begins trending upward.
Who is cheaper, Geico or Progressive?
GEICO is cheaper and has better ratings than Progressive. Your experience with GEICO and Progressive will vary based on individual rating factors.
Who is the #1 insurance company in the USA?
State Farm is the largest auto insurance company in the U.S. based on written premium, or the total amount it bills customers. Progressive is the second-largest car insurance company, followed by Geico and Allstate.
Do I need insurance on a car I'm not driving?
If you have a car lease or loan, your lender likely requires you to maintain a minimum level of comprehensive car insurance coverage and auto collision coverage, in addition to the state-required auto liability coverage. This applies even if your car isn't being driven.
What happens if I don't add my teenager to my car insurance?
Failing to add your teenager to your auto insurance can lead to coverage denial, legal penalties and policy cancellation. Lack of driving experience and perceived higher risk contribute to higher car premiums for teen drivers.
What state doesn't require car insurance?
New Hampshire and Virginia are the only states that do not require auto insurance. However, if you choose not to purchase car insurance in these states, you would still be held liable for any property damage or bodily injury caused by their vehicle. Do you live in an at-fault or not-at-fault state?
Does driving without a license affect insurance?
The insurer might also list you as an excluded driver on the policy. That means the company won't cover any claims that occur if you decide to take the car for a spin and an incident occurs. Remember -- it's illegal to drive without a license, even if the vehicle is insured.
How many 20 year olds don t drive?
According to Hedges & Company, an automotive marketing research firm: The age groups with the highest percentage of adults without a driver's license are 16-19 years old (65.2%), 85 and older (39.9%) and 20 to 24 (19.2%).
Can I rent a car for a driving test?
Can you use a rental car for a driving test? No, you cannot rent a car for your driving test because only licensed drivers are able to rent vehicles. You're not quite there yet! Additionally, you need to be at least 21 to rent a vehicle at most Budget locations, which disqualifies many new drivers.
What is the 3 second rule in driving?
A general rule that helps many drivers maintain safe following distances is the “three-second rule.” It requires leaving three seconds of space between your vehicle and the vehicle driving in front of you.
Where can I practice driving for free?
Big Empty Parking Lots
Stadiums, college campuses, and industrial parks are all excellent options; you just need to time your practice session for times when the parking lots will be empty. Even in cities that use parking garages rather than lots, the top levels of above-ground garages are often empty.