The Role of Nonstandard Auto Insurance for Drivers Without a License

Owning a vehicle without a valid driver’s license is more common than many think. Some individuals inherit cars, purchase vehicles for family members or own collectible automobiles that stay parked. In these cases, obtaining auto insurance is still an essential consideration. Nonstandard auto insurance provides a solution for unlicensed drivers who need coverage for various reasons.

What Is Nonstandard Auto Insurance?

Nonstandard auto insurance is designed for situations that do not fit traditional insurance guidelines. It may cover drivers who have difficulty obtaining a policy due to factors like a suspended or nonexistent license. This type of policy works much like standard auto insurance, covering damage, liability and other potential risks. However, insurers assess the situation differently and may require a designated primary driver with a valid license.

What Are Common Reasons for Requiring Nonstandard Auto Insurance?

An insurance company might determine you need nonstandard coverage for various reasons, including the following:

• Poor driving record (multiple accidents or traffic violations)

• Driving under the influence/Driving while intoxicated conviction

• License suspension or revocation

• Young or inexperienced drivers

• No prior insurance history

• SR-22/FR-44 filing requirement

Why Should I Insure a Vehicle I Don’t Plan to Drive?

If you currently lack a valid driver’s license (e.g., your license is suspended, or you’re too young to drive), your situation may change in the future. Maintaining continuous coverage, even at minimal levels, may save money long-term when you resume driving. Here are some situations where insuring a vehicle without personally driving makes sense:

• You are a new driver and need proof of insurance to obtain a license.

• You only have a learner’s permit.

• You are unable to drive but need coverage for someone else who operates your vehicle.

• Your car remains parked or in storage, such as a classic or collectible automobile.

• You want to cover insurance costs for a licensed family member.

Learn More

For more information on nonstandard auto insurance, contact Vim Rise Financial Services LLC today. Our team in Stone Mountain, Georgia, can discuss your options and help you find your ideal coverage.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information