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Some states require insurance before they issue a drivers license but how to get insurance with out owning a car ?

5 Answers

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  • Anonymous
    2 weeks ago

    ALL of them require that you supply THE INSURED CAR you are to take your road test in(and pass) before you get a D L.  The examiner will not get into an uninsured vehicle because "he is the third party should an accident happen, your insurance will cover injury to him, your passenger as well as the other car.

    You are running before you have learned how to walk.

    So YOU figure it out.

  • 2 weeks ago

    Not some states, only one.  North Carolina is the only state that requires financial responsibility (insurance) in order to hold a valid licence.  If you don't live in NC, you won't deal with that rule.  If you do live there, you have my condolences and a way to get through the process.

    The way of having valid insurance in NC is easy, but not cheap.  You can either be listed on someone else's policy as a driver (they don't care who), or you can buy a thing called non-owner's auto insurance.  All the insurance providers in the state will sell it to you.

    Non-owner's insurance doesn't cost much, but it's still a lot of money when you consider what it won't cover.  It doesn't cover any vehicle owned by a member of your household or workplace, it doesn't cover any vehicle you own / lease / rent, it doesn't cover any vehicle you operate regularly, and it doesn't cover any vehicle that does not have regular insurance on it.  In other words, it only covers you if you're driving a total stranger's insured vehicle for the very first time.  Does that sound like something any sane person would ever pay for?

    When no customers around, insurance companies call non-owner's policies by a whole other name.  They call it pure profit.  But if you live in NC, you're kind of screwed.

  • 2 weeks ago

    Cars are insured, not individuals.  How could an insurance company insure a person if they don't know what they are driving?  Insuring a 2003 Corolla is a lot cheaper than insuring a 2021 WRX.  I'm skeptical that some states require insurance before issuing a DL. 

  • 2 weeks ago

    You can buy liability insurance without owning a car, anywhere.  It is usually called "non-owned auto insurance."

  • 2 weeks ago

    Read your state laws again.

    Most require you to sign an affidavit on the application regarding financial responsibility. I have never had to show proof of insurance to get or renew a D/L.

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